23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX Amex cards. Both cards ' page after log in showed " spend certain amount on a mainstream retailer and get specific amount of cash back '' under the card benefits section. When I spent those amounts, the credit card refused to honor the cash back. They said I had to enroll in the offer. There was no option to enroll the offer ( into the cards ) earlier. 

Now after I have made the transaction, the offer to enroll the cards has appeared but only for smaller lesser known merchants and retailers. That mainstream retailer offer above is no more. Nor would they honor the offer when I called in. I think it 's a bait and switch kind of scheme to defraud customers. I expect millions to have been defrauded by Amex!
Product: Debt collection

In   XXXX  , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no   contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute lie.
Product: Credit card or prepaid card

I paid this account monthly, and I was never late. I have not charged anything to this years. I have been paying it down in order to close it out. The company closed the account which led to my credit score dropping tremendously. I called and inquired as to why they closed the account and I was told that it was because my debt to other companies was too high. My credit report will confirm that I have had an excellent payment history. During the Government shut down I missed a payment to another company which caused me to have one missed payment on my record for 34 years with this company. This had nothing to do with Barclay. I have no problems with Barclay closing the account. However it was closed in such a way that it negatively impacted my credit score.
Product: Checking or savings account

This is the third time Ive reported this. The company keeps saying its not but more than XXXX dollars went missing out of our accounts and nothing was done. They didnt close accounts when they said they would and now they are placing stuff on credit reports. We absolutely did not open do any other online activity accept looking up accounts and transferring between accounts. They wont accept their mistakes. We are not the only ones having trouble with this institution.
Product: Debt collection

Comenity Bank has been calling more than 7 times in 7 days. They also called the same day after they had already spoke with me today. I know these are no nos. I expressed as much to them and they tried to tell me they weren't harassing me. They call from multiple numbers and sometimes with a blocked caller ID. XX/XX/XXXX XXXX spoke to someone about harassment. She said she'd notate the account. XX/XX/XXXX XXXX told them they'd called me more than 7 times in 7 days and the rep hung up on me. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX the called private. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX they called private. XX/XX/XXXX no calls. XX/XX/XXXX XXXX they called private. XX/XX/XXXX XXXX, XXXX, XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX XXXX, XXXX, XXXX, XXXX they called private. XX/XX/XXXX XXXX I did not pick up. XX/XX/XXXX no calls. There are more calls prior, but these are the last 7 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  / XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission XXXX FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Teletrak, I am requesting a copy of my consumer report - attached is your requested form and my ids.
Product: Credit reporting or other personal consumer reports

Filed bankruptcy on XX/XX/year> XXXX is reporting to the bureaus the accounts are past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed several complaints with CFB about the discrepancies on my credit report. I had XXXX bankruptcies on my reports from XXXX, Equifax and XXXX. XXXX XXXX XXXX MARYLAND XXXX XXXX was removed from my XXXX account but is still showing on my Equifax and XXXX reports.
Product: Checking or savings account

Truist Bank advised that a {$500.00} deposit made on XX/XX/year> : and processed on XX/XX/XXXX; was placed on hold and flagged to the Exceptions Fraud department due to the following reasons. 
The check Pay to the Order line was made out to the Account number of the Business. This alone should not have caused a red flag ... .the payable line wasn't an issue, rather it was cherry picking the account. Truist claims the account was placed on Hold for XXXX business days. Consumer didn't receive an email or notification as to the hold prior to placing numerous phone calls and catching the right department regarding the reason. Consumer contends Truist Bank collected the funds on XX/XX/year> and should have given credit to account as courtesy in the amount of at least {$100.00}. Instead the entire amount was placed on hold through XX/XX/year>. Truist Bank kept the account on a negative balance with a pending positive balance without good reason. If the Mobile Deposit of {$500.00} caused a suspicious response, then Consumer had the right to know whatever the issue was. Truist Bank wasn't forthcoming and placing lengthy holds on account on when the funds are collected should be an infraction of the Deposits Availability policies. Truist Bank customer service department are counter productive and the Bank Branch is also counter productive in resolving issues... .they claim they can't make decisions or funds available unless the system determines the outcome. 
Consumer disagrees with Truist Bank collection of funds as case by case decision given that a pegging order of selected accounts are being scrutinized without recourse. The consumer must bring an account positive by making another deposit that will be absorbed by a negative balance while they hold deposits for lengthy time and decide to release funds ; on their time table making it difficult for Consumers to access funds.
Product: Credit reporting or other personal consumer reports

Credit karma is inaccurately reporting XXXX hard inquiries on my XXXX credit report. I contacted XXXX and this is confirmed inaccurate. XXXX is reporting XXXX hard inquiries. I want this to reflect accurately on credit karma as I have tried to contact support numerous times without avail.
Product: Debt collection

Earlier this year after paying off all my debt for years this new debt that I have never heard of before or the company or the amount for exactly {$3000.00}, I have never taken a loan out or anything for that amount, they have not provided proof that I own this debt
Product: Credit card or prepaid card

On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. 

On XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. 

Representative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? 

Macys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. 

Called XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. 

These interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. 

Could someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?
Product: Debt collection

I submitted a letter to the three credit bureaus regarding the erroneous and inaccurate account last fall. I do not recall having a visit with XXXX XXXX  nor do I understand if I did why I would owe accrued late fees of {$130.00} and a collection fee of {$81.00}. The notice that I received from Receivables Management Systems appears to be predatory and a violation of the Fair Debt Collections Practice Act. 

According to 15 USC 1692g, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have yet to receive an actual agreement outlining these fines and assurance that this debt is indeed mine. When requesting validation I received a constructed letter from Receivables Management Systems.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The account was previously Blocked and than reinserted back on to my credit report without any proper verification. The information listed which appears on my Equifax credit report, does not relate to any account I have opened. It is the result of identity theft. XXXX. XXXX XXXX XXXX Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # 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: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Breach of Privacy and Mishandling of Credit Report To Whom It May Concern, I am writing to file a formal complaint against Experian for a severe breach of privacy and mishandling of my credit report, resulting in grave consequences for my financial integrity and personal information. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  submitted accurate and pertinent disputes regarding my credit report to Experian. Unfortunately, an egregious error occurred on their part, leading to the inclusion of information belonging to another individual, XXXX XXXX XXXX into my credit report. It's important to note that XXXX XXXX XXXX resides in the same residence as I do. 

This unauthorized inclusion of XXXX XXXX XXXX files is a serious violation of my privacy and a breach of Experian 's responsibility in handling sensitive consumer data. The confusion between our information occurred due to an error on Experian 's part in distinguishing between the credit files of individuals residing at the same address. 
Furthermore, when I sought clarification on the status of my disputes, I was met with dismissive and inaccurate responses from Experian 's representatives. They not only ignored my valid dispute but also disregarded my concerns by falsely assuming my credit card affiliations, leading to an unjust dismissal of my legitimate claims. 
Moreover, upon reviewing my credit report on XX/XX/XXXX, I discovered additional erroneous information added, unrelated to my financial history, and erroneously associated with XXXX XXXX XXXXXXXX XXXX files. This further compounded the already severe breach of my privacy and Experian 's failure to maintain accurate and separate credit files for individuals residing at the same address. 
Despite repeated attempts to rectify this issue through communications with Experian 's customer service representatives, my concerns were met with a lack of accountability and refusal to acknowledge their mistakes. Their actions have caused undue stress, frustration, and a profound lack of confidence in Experian 's ability to handle sensitive consumer data competently and responsibly. 
I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into this matter and hold Experian accountable for : * Immediate removal of all unauthorized information, including XXXXXXXX XXXX XXXX XXXX files, from my credit report. 
* Thoroughly investigating the mishandling of my dispute materials and the breach of privacy. 
* Providing a comprehensive report outlining the steps taken to rectify this egregious error and prevent such incidents in the future. 
I request the CFPB 's intervention to ensure that Experian addresses this issue promptly and transparently. Failure to resolve this matter satisfactorily will necessitate the pursuit of legal recourse and further reporting to the appropriate authorities. 
I appreciate your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Student loan

I have sent in XXXX paperwork from my doctor. Sallie Mae has told me they don't recognize my doctor 's documentation as a valid proof of my XXXX ; therefore, they are forcing me into repayment which has caused an extreme hardship on my family. This is discrimination as when does a financial institution have the right to say someone is not XXXX when their medical doctor is saying they are??
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered multiple hard inquiries on my Transunion credit report that I do not recognize & did not give authorization for the hard inquires to be pulled from my credit. I sent a letter via certified mail to Transunion that was delivered on XX/XX/XXXX (  with a receipt confirmation ) and faxed a copy to Transunion with a confirmation the fax went through, stating that I did not authorize anyone employed by the listed companies to make any inquiry and view my credit report. In addition to informing them that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked that they please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Furthermore, in the absence of any such documentation bearing my signature, I formally requested that these fraudulent inquiries be immediately deleted from my credit file that they maintain under my Social Security number. 

I also made a note that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I then followed up with a phone call to dispute and the customer service representative for Transunion refused to remove inquires with no further explanation and was extremely rude. 

After 30 days from Transunion receiving my initial certified letter, I sent a second certified letter that was delivered XX/XX/XXXX request removal of inquiries & stating that according to section 604 of the Fair Credit Reporting Act, a credit report may only be acquired for a permissible purpose & it states those permissible purposes as : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The credit inquiries that I listed out in my letter are related to none of the aforementioned permissible purposes & were not authorized or given permission to access/pull my credit.

I, once again, requested that Transunion remove these inquiries from my credit report immediately or provide written signed authorization by me ( within 30 days ), granting these companies/creditors authorization to pull my credit report or permissible purpose for which the credit inquires occurred without my knowledge, in addition I enclosed a copy of my passport as proof of identity.

I have attached both certified letters that I sent to Transunion ( the first one was faxed as well ), along with the certified confirmation receipt of each delivery. I also included the hard inquires that are still listed on my Transunion report as of XX/XX/XXXX- showing that Transunion as yet to remove the inquires despite my multiple  requests to remove from my report, hours spent disputing over the phone, & time and money used for certified mail & fax to ensure delivery. The requested validation of each inquiry was never provided for me to include in my complaint. 

Transunion continues to just ignore my legal rights as a consumer & continues to report inaccuracies on my credit report hindering my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my col regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Disputing Inaccurate Information On Credit Report I am writing to dispute the following accounts based on factual discrepancies. 
I am demanding, under federal law, that these accounts be investigated thoroughly. 
Under my rights of the Fair Credit Reporting Act, I am entitled to a fair and thorough investigation and all accounts reported must be complete and accurate. Any account that can not be verified must be deleted immediately, as stated in federal law. I will be notifying the CFPB that I have not been allowed my rights to a fair and quick investigation process if no action is taken and these errors are not corrected and deleted, promptly. 
Acct 1 : XXXX XXXX XXXX Is reporting an account that has been recycled and is well over 7 years old since delinquent. 
The open date is incorrect as it is not even consistent with what other CRAs are reporting. How can I have different opening dates for the same account? Also, no notice of debt collection was sent to my address on file for my right to validate this debt, which is another violation of federal law under the Fair Debt Collection Practices Act. 
Acct 2 : XXXX XXXX How can a charge off account not show an accurate payment history? Accounts show a different payment history on different CRAs. How is it possible to have an account charged off and never be 30/60/90 days late? Account also has an inaccurate open and close date. 
Acct 3 : XXXX XXXX XXXX  Is not showing an accurate payment history, nor, is it reporting a correct balance. Other CRAs are reporting a different balance. How can a charge off have no late payment history? 
I would like for these to be removed from my report