23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was contacted by XXXX around 6 months ago with a 0 % balance transfer offer. I accepted it and was told that I would not be charged interest on the balance. I was charged 5 times for the following amounts : {$79.00}, {$100.00}, {$140.00}, {$120.00} and finally {$340.00}!!! On the phone the case was accelerated to a supervisor who said she couldnt undo the charges as my timely payments were applied to my 0 % balance transfer not new purchases!!! They offered no solution other than to say they were logging a complaint with no reference or phone number to call. They were rude and dismissive over the phone and refused to take responsibility for the incorrect information that was shared with me upfront.
Product: Credit card or prepaid card

I reported a fraud charge of {$750.00} posted on my chase credit card on XX/XX/2022 from a merchant XXXX - I don't know this merchant and never did this transaction and provided all the documents to banks fraud team to prove the same and also provided them proof of purchase for my another booking made directly by me directly with airlines. My card information was stolen and charge was posted which the bank investigated but did not settle the fraud charges, this is not acceptable as I provided all the information to the banks fraud team proving no relation with the merchant whatsoever and transaction was not done - their system approved a transaction which I have not done and now they refuse to fix it. I along with bank representatives several times even reached out to the merchant to prove the transaction, merchant did not respond at all and yet bank declared the transaction as valid. I also brought up the concern with XXXX and yet the merchant is adamant. they are not reverting the fraud charges. This is completely unethical and unacceptable, I would like chase bank to immediately remove the above fraud charges and apologize for the time they have wasted from past 1 month, I am afraid chase bank is leaking my information resulting into fraud charges which then they refuse to revert. This needs to stop!
Product: Mortgage

CCO Mortgage - Citizens Bank collections department has been calling me XXXX times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to XXXX people, I found out that they implemented a new policy to call their customers if payment is not made by XX/XX/XXXX - even though the grace period to make a payment is until XX/XX/XXXX. Payments received after XX/XX/XXXX are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a " cease and desist ' letter. My account is in good standing. They have no right to contact me over and over again for payment when I am well within my grace period.
Product: Credit reporting or other personal consumer reports

Navy Federal reported a ( Late payment ) onto my consumer report without my knowledge or writtten permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

TransUnion allowed someone from XXXX XXXX to falsely report information on my credit report that resulted in me being denied housing an obtaining loans for housing.
Product: Credit card

I am a current Bank of America card holder, and called this morning to the specialist about my credit card 's late payment amount. And the specialist is trying to get all my information including my SSN without helping me with my questions, I got XXXX and made another call. The second time I called the specialist and she told me it's normal but still didn't solve my problem but being rude and stuff, saying they already sent me email and something that not going to refund me the due payment. I was angry and want to complain this to their company but there's no email address on their website since I don't trust their calling service anymore. Plus, I didn't receive any email to make feedback about the call and I doubt it is not legal in the process since I always receive feedback after a call. The payment was XX/XX/XXXX I made just this morning ( including the late fee ).
Product: Checking or savings account

I have made multiple referrals to sofi bank. Most have not done necessary tasks for me to receive bonus. Some have. This is the last referral I will make due to the realization that they are scamming people with this XXXX. At minimum, they scammed me. The reason given by them for the bonus referral was not payed out was because they say the account was not funded in time, when in reality, the bank took 9 days to complete an ACH transfer. These transfers happen instantly, or close to that... NOT 9 days, then disqualifying me for the time it took them to clear the transfer.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX, I am contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) within 4 Business Days
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, when noticing this and knowing that according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) Therefore, 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.

And according to 15 USC 1681s-2 they are not supposed to 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : THE FOLLOWING ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS! 

I DEMAND THESE ACCOUNTS TO BE UPDATED TO FULLY PAID AND 100 % PAID ON TIME! 

ACCT : XXXX XXXX  ACCT # : XXXX ACCT : XXXX XXXX XXXX  ACCT # : XXXX ACCT : XXXX ACCT # : XXXX ACCT : XXXX  ACCT # : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681Accuracy and fairness of credit reporting with this being mentioned I have found several inaccuracies on my report with late payments and I have them listed below XXXX XXXX XXXX XXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXXXXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixedXXXX XXXX XXXX late payments did not happen and this account was paid on time. All 3 bureaus show different payment history and needs to be fixed.
Product: Payday loan, title loan, or personal loan

Amount {$500.00} date of XXXX couldnt work because of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted XXXX  and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.
Product: Debt collection

I received this email, stating reply for feedback. I did this and it shows on my complaint. This complaint is with Bank of America. I did receive email from the bank resolving the issue. They also followed up with letters on both accounts. However I called on collector ( XXXXXX/XX/XXXX XXXX ) never could get anyone on the phone, have left messages to call me so I could set up payment arrangements. The other ( Recovery Unit Dept ) I have not called yet. The email I received from Bank of America was in XX/XX/2021, the letters are dated XX/XX/2021. XXXX XX/XX/2021 I received a Summons delivered in person at my home. Trail date is XX/XX/2021. The server stated that I should call, scene I have already reached out, and thought that these accounts was resolved far as payment arrangements. Im so confused, upset that Bank of America would do this. I will call the court as the server suggested, and upload all the letters and Summons for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card

I filed complaint XXXX, when Bank of America 's `` autopay '' system apparently failed to take the due autopayment of {$0.00}, and subsequently charged me a {$28.00} " nonpayment '' fee and decreased my credit limit. They have taken no action, ( I expect the credit limit to be returned and the fee removed ). I received a letter today stating that they consider the dispute to be resolved. I left a voice mail at B of A, since their business hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I do NOT consider this dispute to be resolved ( since they have taken no action ), I am filing a new complaint.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX, XXXX AND EQUIFAX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX they informed the XXXX  and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.
Product: Credit card

Dear Citibank New Cardmember Services, I am on the " PRESCREEN & OPT-OUT NOTICE '' list ; I have in fact already opted out from all further communications from Citibank and other prescreened offers and miscellaneous junkmail by having called XXXX. 
However, I continue to receive these offers even after Opting Out. Please review your records, and permanently and completely remove all my personally identifiable information from all company and affiliated company records, including my name, DOB, address, phone numbers, emails, and any other data or metadata collected from me or my computer or my Internet Service provider. 
Warm regards,
Product: Vehicle loan or lease

The Ally company has been contacting my neighbors about getting in touch with me regarding my vehicle loan. This has been occurring since XX/XX/XXXX even when I have specified and indicated that I will pay even if I am behind 3 payments. I have {$3900.00} outstanding balance, I have paid over 90 % of the loan which is equivalent of {$34000.00}. They have been calling me since I lost my job in XX/XX/XXXX, and I have reported to them that I do not have employment at this moment. I have been paying them with part of my unemployment. They were unreasonable and did not negotiate to withhold payment for a few months until I receive steady payment. There was no negotiation from their part, and they have been calling on average seven times a day. The times are unacceptable times at XXXX XXXX, XXXX aXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and I have been paying {$100.00} to {$300.00} dollars a month. My last payment was on XX/XX/XXXX for {$300.00}. This was all my unemployment money to keep them from repossessing my car.
Product: Debt collection

There is a collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from VOLKSWAGEN CREDIT. This was not me and I am not currently looking to buy anything.
Product: Credit reporting or other personal consumer reports

All three agencies became aware of a collection account from a company called collections services that called themselves doing a collections on behalf of XXXX XXXX which in my previous complaint I submitted to the cfpb that I in fact did not owe anything to progressive and definitely did not owe this collections agency due to the fact that I have never done business with nor do I have a contractional agreement/ promise to pay or anything like that with said agency. I asked for a swift resolution to this issue, because this ghost debt is serverly hurting my XXXX scores due to there improper investigation of this debt. XXXX removed this account after they did their investigation and now the other XXXX companys that have had the same amount of time the XXXX had still have not removed this account from my report. Under XXXX usc XXXX ( I ) this information should have been immediately removed and now I am claiming negligence on the companies of Equifax, as well as XXXX for be in violation of federal law with the mishandling of my credit reports. There are as a matter of fact a few things that I was told would be removed and have not been but I will save that for my follow up complaint into the inproper handling of my credit reports.
Product: Credit card or prepaid card

We had filed a complaint with CFPB Ref No : XXXX and XXXX ( AMEX Ref : Ref : XXXX and XXXX ) regarding not receiving initial welcome bonus as per offer on American Express Delta Skymiles Gold Credit Card. 

As per AMEX letter dated XX/XX/XXXX - " You applied and were approved for the Gold Delta SkyMiles Card on XX/XX/XXXX. Your application included the opportunity to earn XXXX XXXX XXXX after {$3000.00} or more in eligible purchases are made on the Card within the first four months of Card Membership. '' However, letter also stated that we were advised that we were not eligible for bonus offer during time of application and I elected to proceed without welcome bonus offer. I wish to state that the above statement is not true. I have not received such message during my application and hence I was not aware of any ineligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA is reporting erroneous lates on my credit file. They are reporting lates for the XX/XX/20, XX/XX/20, XX/XX/20. When I opened this card I was told there was some fees which was completely fine but i didnt know that they would charge me right away. If i were aware of these charges i would have paid them to avoid the late notations on this card. If you look at my file you can see that i never even used this card or added a balance other than your fees. I never received any letters, calls, or notices about the charges or the late payments until i pulled my credit and saw this account was delinquent. I called and paid it immediately and called to see where the balance came from and that's when i was advised it was the service fee that i was told i would not be charged right away! I need these lates if not the WHOLE account removed from my credit file. I keep all my accounts in good standing and this account has ruined my credit. I need it removed ASAP