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

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXX XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. 
Statement of Violation : XXXX XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies. 
Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that you are not taking into consideration the fact that you have not provided the reply to the dispute that was received and signed for by your office on XX/XX/2018. No response was given or replied to the letter of dispute. Based upon FCRA rules and regulations if a response is not received in a 30 day time frame the Item has to be removed from the credit report. You have failed to do so. The so called agency that you continue to lie and tell me that was verified is XXXX XXXX. You have not verified anything for I have spoken to these companies and have been informed that they are not able to verify or report any information what so ever on my credit report do to the status that I have with them. That status is non of your concern, however what is your concern is the fact that I have proof that a letter was delivered to your office that you failed to respond to in a timely manner. If this Item is not removed upon receipt of this letter I will be taking the next step and filing a lawsuit against your establishment as well as the reporting entities that you claim are stating this is valid. This is the last and final good faith given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the holder for my XXXX card and they recently increased my credit line from XXXX to XXXX. On XX/XX/24 I received a notification that it was reported that I was over the limit and that my limit is XXXX. That is in fact incorrect. With this error, I loss points on my credit report that I worked so hard to get.
Product: Credit card

We responded to an offer of an AAdvantage credit card with a {$200.00} statement credit for XXXX XXXX purchases during the first 6 months and XXXX bonus miles after {$2000.00} in purchases during the first 3 months ( attached ). We received XXXX bonus miles but no statement credit, despite having charged over {$6000.00} in airfare on the card immediately. 

When I contacted Citi AAdvantage about this, I was told to send a copy of the ad to which we responded. Instead of being issued the credit, we received the attached letter stating that, " A {$200.00} statement credit is not a part of the XXXX bonus mile offer. ''
Product: Checking or savings account

I opened a Citibank accelerated savings account in XX/XX/XXXX and deposited a total of {$10000.00} in two electronic transfers from my originating bank. These transfers were {$2000.00} on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX ( see transactions attached ). On XX/XX/XXXX, I received an email from Citi saying that my account would be closed due to " violating the terms of your account ''. I have attached that email. In the email Citi said, " we will send any funds belonging to you to this address, once the account is closed ''. The email also said to call Citi 's fraud department for any questions. 

I have called Citi multiple times asking why the account was closed and when I would get the money sent back to me and if they could send back the money sooner than the 60 days the email said. It has now been 91 days since the email notification that my account will be closed. I have never received any mail regarding the issue despite their fraud department, when I call them, saying that I would get a letter. 

I have received a lot of conflicting information when contacting Citibank. They initially kept saying that a check would be mailed to me. However, they have also been saying that if I want to receive the funds back electronically, that I should contact my originating bank to " file a claim to release the funds that was deposited to my Citibank account ''. Those are the words of a Citibank fraud dept. representative. When I contact my originating bank, they say there is nothing they can do because my money was successfully deposited and it is up to Citibank to now resolve the issue. Whenever I ask Citibank to send the money back to my original bank they say it can not be done. So, I am getting conflicting information from both these banks. 

I also recently contacted Citibank 's executive response unit and they said they would look into the issue and it would take approximately 15 business days to receive a response.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit card or prepaid card

On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in XXXX  months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will. after receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted even though the guy on the phone reassured me multiple times that I got it. 

I opened an investigation with AMEX but they are taking too long and they explained that there is a chance i will not get it. I want someone to listen to the phone call I had with the agent on XX/XX/XXXX and I want my bonus offer.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Checking or savings account

I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. 

Look at the attached documents. I have all of the proof..
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, 2024, I received a suspicious email from Wells Fargo Bank asking me to verify a series of deposits in order to initiate bank transfers with XXXX XXXX. I immediately became alarmed because I knew that I hadn't made the request, so I contacted Wells Fargo to inquire/report the suspicious activity. In response to my inquiry, the banker flagged my account for a possible security breach. In doing so, the banker informed me that I would not have access to my online or mobile banking and all account alerts would be suspended. The representative informed me that a banker from the fraud department would contact me during normal business hours the following week. Several days passed without a response from the bank. I went to use my debit card on/about XX/XX/XXXX and my card was declined due to insufficient funds. Confused by this, I called WF Bank and discovered that my account was overdrawn and there were almost {$400.00} in overdraft fees. I explained to the banker that I did not have access to my online banking or account alerts due to the fraud alert. I was unaware that there was a deficiency on my account especially since I continued to make deposits to the account while awaiting a resolution. WF sent correspondence stating that a resolution would occur by XX/XX/XXXX. By then, I did not have access to my checking account, transactions were being declined, and I was not getting a response from the bank despite several attempts to reach the agent who was handling my case. On XX/XX/XXXX, I received correspondence from WF Bank that it would be until XX/XX/XXXX before the issue is resolved. I requested to have the fees reversed given my lack of knowledge about the account activity during the fraud alert to no avail. WF Bank has the discretion to approve or deny transactions and they continued approving transactions despite the account being overdrawn as long as it benefitted the bank. They charged a {$35.00} fee on transactions that were less than {$5.00} and it was actually the assessment of their bank fees that caused the significant overdraft.
Product: Debt collection

I do not owe this debt. 


Account Name SOUTHERN CREDIT RECOVERY Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$260.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$260.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX acct # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 
It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Starting from XXXX, I've made several attempts to initiate the process of opening a savings account with Capital One 360 Savings. However, I have encountered persistent issues not only during the account opening procedure but also with various IT-related matters. Additionally, I'm currently facing difficulties in accessing my active Capital One Venture XXXX credit card details online, which is preventing me from making payments or reviewing transactions since XXXX. 
Throughout this period, I have reached out to Capital One via phone on no fewer than six occasions. I've invested significant hours in these conversations, and during one instance, I was even transferred five times across different departments, including Credit Card, Banking, Digital, IT, and Verification. On each call, an IT problem is identified, and I am advised to wait overnight for system updates. Unfortunately, these efforts have not yielded any positive results. As of now, over a week has passed, and I'm still unable to access my Credit Card activity. 

I have exhausted all available avenues to resolve this issue.
Product: Credit reporting or other personal consumer reports

I filed a dispute more than a year ago and won. But now the same bill is being reported to the same credit bureau, Experian. I disputed it again this week but Experian ruled against me this time. How can they favor me for a whole year and then let the same company damage my credit score over again? Its like being tried for a criminal case twice. I need you to contact Experian and tell them to take it off of my report again.
Product: Checking or savings account

Yet again another complaint against the worst XXXXXXXX XXXX in Ally Bank. Over past weeks Ive been trying to get my account back positive due to unauthorized transaction by XXXX. I contacted XXXX with no response back from Support as they own the transaction. Either way Ally Bank should be giving me provisional credit to bring my Checking account to positive despite this dispute.
Product: Debt collection

I do not know or recognize this debt, ive made attempts to resolve and identify it and those have all failed. I want this to stop and be removed from my report as the information is inaccurate and defamatory and I feel threatened by this company.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Product: Debt collection

have been getting called at least twice a day for the past 5 days from different numbers by the company Sequium. starting on Friday the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time the phone number is different. The phone numbers from the the XXXX and XXXX of XXXX are XXXX, and XXXX. 

Each time i told them to stop calling me and to remove my number from the call list. They are still calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX  and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and Professional Placement Service a new collection agency. Even with a different account number it seems XXXX  and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXXXXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can XXXX  agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of XXXX being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Product: Consumer Loan

CNAC requires payments every 2 weeks but they report monthly and the monthy amount is incorrect. They also reported a payment in XXXX of XXXX even though I returned the vehicle in XXXX of XXXX.
Product: Debt collection

Capstone Credit is reporting illegally to the credit bureaus in an attempt to collect on a fraudulent debt. They are not licensed to collect on a MA state resident. They were informed of their illegal activities via certified mail XX/XX/XXXX via 93A Demand, again in XX/XX/XXXX and again XX/XX/XXXX They have refused to provide validation of their claim and continued to report and attempt to collect in violation of state law : Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business
Product: Payday loan, title loan, or personal loan

The company took an ACH payment and applied it to my balance on XX/XX/XXXX. I paid the loan off in full on XX/XX/XXXX. The loan is at a {$0.00} balance but the company refuses to close is out. They have told me several reason why : Needed to show the ACH payment cleared my bank, I did and the person in the store put it on file. Needed to give it to XX/XX/XXXX, I did and this was received in email that is attached, did not close on the XXXX. Needed to submit bank statement showing ACH cleared my bank online, not true, a manager later told me that was not an option for me. And lastly told me is would be 3, 5, 7, and finally 10 business days before the ACH payment " cleared '' on their side. The in-store person told me that there is an internal issue that they are having, at no point is there any noticing on the website or in-store referencing that they are having payment issues. This is damaging to customers and is very dishonest. If they are having issues they need to say so, not give 10 different excuses why they can not close the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these inquiries listed on my credit report when I checked. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX