23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Albert ( banking services provided by XXXXXXXX XXXX XXXX  ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by a friend. Opened an account using his referral link on XXXX and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying it did not track. 
I followed all the requirements correctly. If it's a problem with you application and system, why should I get penalized. 

Further, I also referred XXXX XXXX who also satisfied the requirements for 3 months. Albert is refusing to grant me the {$150.00} bonus for referring XXXX too. 

Request Albert ( XXXX XXXX  ) issue me the {$300.00} bonus ( {$150.00} for me opening the account and satisfying the requirements, {$150.00} for referring another person who also satisfied the requirements.
Product: Credit reporting or other personal consumer reports

victim of identity theft and I've made several complaints to all bureaus. The person was allowed to get another vehicle in my name, and I've been a victim of court proceedings of this person having my name involved in activities. I've filed police reports and made multiple attempts to correct my identity i need help. I'm unable to get any credit or home for myself but this person has cars, bank accounts, credit cards and more using my identity.
Product: Debt collection

MY CAR WAS STOLEN IN 2021, INSIDE WAS MY WALLET AN OTHER PERSONAL ITEMS... BUT MY ID IS BEING USED ALL OVER, ACCUMULATING MEDICAL BILLS A CREDIT CARDS... I TRIED TO EXPLAIN THIS TO THEM, BUT THEY WOULDN'T REMOVE ME FROM THEIR ACCOUNTS... I DON'T HAVE MONEY TO PAY OTHER PEOPLE 'S DEBT ... THE CREDITOR IS WAKEFIELD AN ASSOCIATE THEY XXXX SEPARATE DEBTS THEY ARE TRYING TO COLLECT.. I NEED A IDENTITY THEFT FORM TO SEND TO XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a subsequent notification to inform the Experian Bureau that I will be updating my credit report once again within a 15-day period. I hold a strong expectation that the Experian Bureau has already DELETED these three residual inquiries from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit card

The cashier at self checkout was helping me and did not return my card and I didnt realize till weeks later when I received emails saying there were new charges on my card and I hadnt used it again since the initial charge. When I called the store they referred me to the credit card company who told me that they would take care of it but they havent and Im now receiving collection letters. I have asked the store to pull the cashiers information from the receipt because that has to be where the fraud was initiated. Ive asked them to pull video footage to confirm and prosecute this fraud and they are not calling me back. Please help. Thank you
Product: Credit card or prepaid card

I submitted an online application to Bank of America in response to an advertised XXXX XXXX opportunity. The initial response was that they could not offer the account, then I received a letter stating that additional information was required. I submitted the additional information. I received no other communications until an email stating that a balance transfer of approximately 25 % of my request was in work. I tried to contact BOA ; but, the system required a complete account number that I did not have until an actual credit card arrived several days later. The credit card came with a lower limit than I would have accepted. BOA had created a credit account and reported it to XXXX without me ever having been provided the proposed terms of the account. I would have declined the account under the terms that BOA unilaterally implemented. I was notified by XXXX that the open account has been added to my credit history/report. I have contacted BOA and have been told that the balance transfer and the credit card have been cancelled and closed.
Product: Checking or savings account

I received a couple emails about an attempt to open a bank account with Bank of America. This occurred on XX/XX/XXXX. I was also enrolled in mobile and online banking but the emails didnt have any account information. 

I then received an email stating the account couldnt be opened as a result of lack of identification. 

I tried calling the bank but couldnt make it past the automated systems. 

On XX/XX/XXXX, I received a statement in the mail for a short period from Bank of America, XX/XX/XXXX to XX/XX/XXXX. There wasnt a balance in the account. 

I tried calling again but couldnt make it past the prompts without my social security number. I refused to enter that.
Product: Checking or savings account

I have multiple accounts on my creit report along with bank accounts I neither used or opened.
Product: Mortgage

My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. 
Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.
Product: Debt collection

Received a letter from synergetic communication, inc. stating their client XXXX XXXX XXXX XXXX turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


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

I filed an ID report with the FTC. I also filed one with the police department for the following accounts which by law have to be removed rom my credit report and they havent. My return receipt from the post office shows they received it along with my police report over 2 weeks ago. 
XXXX XXXX XXXX XXXX  de 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, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX I filed a dispute for an investigation on the account US DEPT OF EDXXXX Report number : XXXX. Experian has been dishonest on giving me a professional investigation on this account., the dispute only took a day for it to be completed. A true investigation takes under 30 days to complete, I have noticed that when I file for a dispute, Experian updates my social security number, current address, etc. But this time they updated my current address even though I never requested for it to be updated. According to Experians website it states : if the item you are disputing is not a credit item but rather a name or address misspelling, a typo in your social security or other identifying information you can document yourself, your credit report ( s ) may be updated within a week I will have this information attached also with Experian updating my address to this CFPB report. Due to Experian updating my current address they have excluded the investigation on the account US DEPT OF EDXXXX. Pursuant to 15usc1681a ( e ) if Experian does not have a valid method of verification then I demand this account to be removed from my consumer report.
Product: Credit card or prepaid card

Up on the date XX/XX/2021 I contacted XXXX to try to confirm why my finances were suspended from me for my safety when I finally got in contact with customer service they then told me I would have to upload documents proving I was who I say I was to confirm my account suspension after uploading every document of verification that I could possibly and uploading screenshot myself personally I was told that it wasn't enough verification so I continue to call an email email and call until finally I started researching in Reading the term an agreement onto researching on the web other ways to get into my account funds that research led me to emailing you guys for help to free up how to get unsuspended to me almost XXXX XXXX to be exact XXXX XXXX in something around about that amount
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
Harassment under XXXX XXXX XXXX XXXX XXXX XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''
Product: Credit card or prepaid card

Purchase Date : XX/XX/17 Merchant : XXXX XXXX Amount : {$62.00} Dispute originally filed with credit card company in a timely manner. This complaint originally filed with CFPB case XXXX, Capital One has already been provided with sufficient proof that the merchandise was returned to the merchant with the XXXX tracking information. However, most recently, Capital One claims they need additional time to resolve a rather simple, minimal billing dispute. The incompetent merchant is claiming they sent a merchandise credit instead of CREDITING THE ORIGINAL METHOD OF PAYMENT. This seems to make no sense whatsoever, in fact, why would a merchant send a merchandise credit instead of crediting the customer with the original payment method, I never requested this, nor, did I benefit from any merchandise credit.
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 {$22000.00}, {$20000.00}. 
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 XX/XX/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 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report related to XXXX XXXX. Despite my multiple submissions, Equifax consistently responds within 24 hours stating that the account is accuratewithout providing any evidence of a thorough investigation. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-002 ) against Equifax for similar violations .

I respectfully request that the CFPB take appropriate action to ensure Equifax and Experian complies with federal law and provides consumers with the necessary proof of a proper investigation into disputed accounts. 

Thank you for your attention to this matter. Please let me know if any additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX 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: Mortgage

This mortgage company is discriminating based on a number of factors. The company first approved a loan, then do to its religious preferences denied the loan. The incident has occurred in Arizona. The company, 21st Mortgage, is headquartered in Tennessee. Given the geography, the incidents are not isolated at the present time, whereas 21st Mortgage and others perceive themselves as being protected against any formal proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

on XX/XX/2023, I went to the XXXX cash station machine located at the local grocery store. When I went back to the machine on XXXX all my funds were gone totaling {$7600.00}. I contacted the telephone number on the back of my debit card and was told to complete a customer statement of disputed transactions. I completed the form and returned in a timely manner. The summary of their findings, purchases/withdrawals authenticated with chip or pin, indicating my card was physically used to perform the disputed charges. I don't understand how this is possible because as I explained to them that my card has been in my possession, and I have not Shared any of my personal information or given authorization for my debit card to be use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely frustrated with Experian, and their customer support system. I have an Experian account which I was trying to log into. I know my username/password/security questions. The system asked me for a 4 digit pin. I tried a few times and wasn't successful. The website gave me a number to call in order to get assistance. That phone number never connected me to a human being, even though I put all the data that was requested of me. What's more, the automated phone system did not resolve my issue, it allowed me to change my password, but it didn't allow me to change or obtain the 4 digit pin code. When I tried to log back in online, it just said contact this number and round about we go. There is no physical way to contact customer support directly from the numbers provided on Experian 's website. Even tried different menu options, different numbers I found online. It's outrageous that I have such a simple issue that I needed fixed and I can not do it online, when I call, I can't resolve over the automated system, and there's no way to talk to a live person.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX ACCT # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On or about XXXX XXXX, XXXX, I was approved for a modification., my trial payments were to begin on XXXX XXXX, XXXX through XXXX XXXX, XXXX. I called and set up automatic payments to be taken from my account. I notice in XXXX XXXX that the first trial payment for XXXX was not taken out. I do not speak English so I had my XXXX year old daughter help to call Ocwen, they do not have anyone speaking XXXX to help me. They keep hanging up on me and do not help me with situation. Now they are saying to resubmit again. Why I should do that, i have the money to pay them, plese help they are discriminating against me because of my nationality I am XXXX.