23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation letter, certified, to all 3 credit bureaus. XXXX, XXXX and Equifax due to a multitude of inaccuracies I found on my credit report/consumer report. ( the certified mail reciepts will be attached as evidence ) I highlighted boldly for the to INVESTIGATE CONSUMER REPORT Ther response was the information was accurate, they did not inform me of the methods used to verify these accounts and clearly they did not abide by the guidelines set for by 15 U.S.C 1681 because The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Hence, XX/XX/XXXX i sent three more certified letters, stating I have previously requested that you investigate, and you have failed to inform me of the methods utilized to verify and validate these reporting, correct the errors, but you are still reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

I also filed this complaint with you, the CFPB, the supporting complaint ID 's are as follow : 1. XXXX 2. XXXX 3. XXXX As a result, between XX/XX/XXXX and XXXX XXXX all the accounts have now been updated but still not removed as prompted and i clearly stated Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

My rights to investigation has been disregarded and violated, my 30 response was violated, everything about this is unfair, this clearly is a indication that the 3 Bureaus believe they are above the law. It is unethical and unfair for them to feel that can do a reinvestigation 3 months later! 

These are the inaccurate accounts : 1. XXXX XXXX, XXXX 2. XXXX XXXX, XXXX 3. XXXX, XXXX 4. XXXX XXXX, XXXX 5. XXXX, XXXX 6. XXXX, XXXX 7. XXXX XXXX, XXXX 8. XXXX XXXX, XXXX, XXXX 9. XXXX XXXX, XXXX, XXXX 10. XXXX XXXX, XXXX 11. XXXX, XXXX 12. XXXX XXXX, XXXX 13. DPT EDXXXX, XXXX 14. DPT EDXXXX, XXXX 15. XXXX XXXX, XXXX 16. XXXX XXXX, XXXX, XXXX 17. XXXX XXXX, XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX, XXXX 19. XXXX, XXXX, XXXX 20. XXXX, XXXX 21. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX 23. XXXX XXXX, no account info available ( reporting from EQUIFAX ) 24. XXXX XXXX XXXX XXXX, XXXX Im attaching the inital investigation letter, the certified mail reciepts, and the current responses on my credit
Product: Mortgage

We started a home refinance and revolving credit consolidation with WFHM on XX/XX/XXXX and it did not close until XX/XX/XXXX, We were to have no out of pocket costs other than the home appraisal .Our interest rate was to be XXXX %. We were asked to submit account closure & remaining balance letters for all charge cards. We had originally not wanted to close the accounts because we did not want our credit score to drop. We were informed that if we did not close we could not refinance. Our XXXX day rate lock was set on XX/XX/XXXX and should have been plenty of time to close. Their was confusion with the loan tracker and was n't properly set up for both of us. Because of the confusion with the lone tracker we were unable to both get in to acknowledge our CD 's causing a delay. It took XXXX months to process our loan causing our Rate lock to expire and also our credit report expired. they charged us a rate lock extension fee along with other fee 's We had to resubmit all documents because they took so long in processing the loan. When the credit report was reviewed again our scores had dropped causing our interest rate to go up to XXXX % .The difference between the initial XXXX % that was offered and the XXXX % that we have now is approximately {$13000.00} over the 30 year life of our loan. We felt we were in very good hands dealing with the company that originally held our mortgage. Our confidence quickly faded .It felt as though we were not a priority .We had let those working on or loan know of our dissatisfaction.
Product: Credit reporting or other personal consumer reports

To Whom It MaXXXX Concern : Pursuant to the XXXX Fair Debt Collection Practices Act ( XXXX XXXX XXXX ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. This is a fraudulent account, and i have identity theft report and a official police report In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the Federal Trade Commission. 

Thank you for your attention regarding this matter. 

Sincerely,
Product: Credit card or prepaid card

I opened a Citibank credit card in XXXX, and a week later I got a mailed offer of an opening reward way higher than mine. I tried to call the customer service several times but they 're not willing to match the reward because they said the reward is for new customers, which ironically I am. I seriously doubt if the lady understands English.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX account # XXXX. 
XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1981 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the mortgage application process and the report from Underwriting is showing that my credit card issued by XXXX Bank is in 'dispute status '. I called TransUnion twice, and I was told twice that the dispute is not showing up. The account has a XXXX balance and there is no dispute.
Product: Credit card

On XXXX I stayed at the Wyndham XXXX XXXX in Florida. On XX/XX/year>, I was asked if I wanted a Wyndham Rewards Card. I said " no '' and thought that was the end of the interaction with the staff member. 

When I returned from my trip, I found a letter from Barclay 's explaining that my application for the Wyndham Rewards Card was denied.

I did not apply for a Wyndham Rewards Card. I did not want to apply for a Wyndham Rewards Card. Someone on the staff at the Wyndham XXXX XXXX resort took my information and applied for a credit card without my authorization and without my knowledge. 

This is unacceptable. 

I am now trying to remove this from my credit reports, and having difficulty as no one at XXXX, XXXX, nor XXXX believe me that I did not apply for a credit card, but I didn't! 

Isn't this illegal? 

We are trying to repair our credit in order to buy a house and now I have this unauthorized hard credit inquiry on my report for two years because Wyndham and Barclays are forcing staff to push credit cards on guests and when they say no, they just apply for credit cards to boost their metrics anyway. 

Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureaus on XX/XX/22 and XX/XX/22 letting them know these accounts are a violation of the FCRA and should be deleted. These accounts are not accurate as they are not reporting the same across all three bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a 0 % balance transfer with my Citi Bank credit card coming due XX/XX/XXXX, with a {$7000.00}, balance. I also had a {$5000.00}, balance transfer, due XX/XX/XXXX, for which I paid a 3 % fee ( {$150.00} ), and it was for 1 % interest until the balance was due. 

I paid {$7000.00}, on XX/XX/XXXX, to pay off the first balance transfer, which would have converted to 29.9 % interest. I had a balance due of {$4000.00}, on the second balance transfer at 1 %, due in XXXX of XXXX. 

Citi applied the {$7000.00}, payment to the second balance transfer, which left me a balance on the first balance transfer of approx. {$4000.00}, and then began charging me 29.9 % on that balance, instead of the 1 % rate that I had paid for until XXXX of XXXX. 

I called Citi on XX/XX/XXXX, and explained the situation. I was told that a request would be made to re-allocate the {$7000.00} payment to the first balance transfer, and that my interest paid would be refunded. However, I was told that this had to be approved and in the meantime I should continue to pay the minimum due which included interest at the rate of 29.9 %. 

Citi claims that payments are applied to the highest interest rate balance, so they were justified because at the time my {$7000.00} payment was received, the 1 % balance transfer was higher than the 0 % balance transfer that was ending in a few days. This is a scam. I paid for a 1 % rate until XX/XX/XXXX ( on the remaining balance ). They kept the {$150.00} charge, denied me the rate until XXXX of XXXX that I paid for, and are charging me {$70.00} a month in interest at the rate of 29.9 %. 

Now after waiting 10 days for an answer, they tell me it can take up to 30 days, and no guarantee on the outcome. This practice should be illegal.
Product: Credit card

I have two Bank of America credit card and I am not using them because of the difficulties I have had with these Bank of America liars in the past. Although I still have the cards and did not send them in because I understood that if you closed the account this would hurt my FICA score. However Bank of America lowered my credit limit and reported this to the credit bureaus which had them lower my credit score/rating. I have paid the Bank of America Credit card off in full and by their actions of saying they have reduced my credit limit my XXXX went down. Is there any way I can correct this bogus action by Bank of America?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request letter that my husband and I sent to the credit bureaus on XX/XX/2019. According to credit law, they were supposed to investigate the disputed accounts and respond within a months time. Over 45 days have passed, and we have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>. On XX/XX/year>, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the XXXX agencies on the phone XX/XX/year>, to update my information on the credit report. I mailed another letter to all XXXX credit reporting agencies on XX/XX/year>, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/year> ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/year>, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Product: Credit card

XXXX XXXX advertised on their website that if I apply for credit card called Mileage Plus Explorer/ Chase credit card and spend {$1000.00} within three months I will get {$50.00} statement credit and promotional XXXX miles in my XXXX XXXX frequent flyer mileage account. I applied for card and have received it since XX/XX/XXXX. I have already have spend over {$1000.00} using that credit card account. so I contacted Chase Manhattan Bank if I would be getting my statement credit and promotional miles. Representative replied I would not get either miles nor statement credit. I need Chase Manhattan Bank to provide {$50.00} statement credit and promotional miles in my frequent flyer mileage account at XXXX XXXX.
Product: Checking or savings account

I have a story of the little guy getting trampled by the big corporation. A total lack of customer service. I bank with Chase Bank, I moved a few years ago and began mobile banking since there is no branch in Minnesota. I tried to do a large wire transfer one night for payment on the construction of my new house and suddenly my online account was frozen. I called them and they said they locked it as a security measure but I had to go to a branch to get it unlocked. I explained I lived XXXX miles from the nearest chase, and after XXXX hours on the phone over the next few days, getting transferred and hung up on multiple times, and after pleading and begging for help, I was told to go bank with a different bank. Completely unbelievable. I still do n't have online access to my account, which is the only way I can access anything, I have checks I can no longer deposit, and I have spoken to a very high up member of management, who has not returned my phone calls. I stand under the feet of one of the largest banks in america .... trapped with no way out. I did n't do anything wrong, but chase expects me to travel XXXX miles, take time away from my family, and take time off of work to show my face for XXXX minutes at a chase branch. They wo n't accept anything else and It sure feels like a crime to me. An side effect of my checking account being locked is that my credit cards and my mortgage are both managed through the same site. So now I ca n't manage any of those things.
Product: Debt collection

Recorded message from Credit Management Company claiming to be trying to collect a debt. This is a scam. I have no debt to be collected and have informed the company, as well as telling them to stop calling me. I continue to receive automated telephone calls from XXXX. There are many, but the ones I have records of are : XXXX XX/XX/2020 XXXX XXXX ; XXXX XX/XX/2020 XXXX XXXX ; XXXX XX/XX/2020 XXXX XXXX. I have voice mail recordings for each of these calls.
Product: Credit card or prepaid card

The account with CAPITAL ONE BANK USA N with account numbers XXXXwas legally paid in full and are no longer in use. I am not sure of how the Credit Bureaus process of investigation but they continue to report erroneous status and information about this account. Also. they are not showing me the complete payment history of this account. Moreover, this account is illegally re-aged. A lot of errors.
Product: Debt collection

I received a call on XX/XX/XXXX from an unknown number the caller left a message stating I need to make myself available on XX/XX/XXXX between XXXX and XXXX ... So I can sign seal documents also have a witness available ... if I was n't available they would proceed to my job ... I was also prompted to call XXXX ... .creek side recovery ... it was a very unprofessional call as I spoke with the person who said I needed to pay XXXX on aXX/XX/XXXX debt ... he placed me on hold to supposedly be speaking with the company ... .came back and said the company would settle for XXXX .... Due XX/XX/XXXX ... Gave him card # ... To collect they were very very direct with me ... I feel threatened because not only do they have my number but my address also ... ..
Product: Checking or savings account

I opened a CD with Citibank last year. Upon maturity on XX/XX/year>, it was automatically renewed this year. After careful examination, I discovered that Citibank does not allow online closure of CDs. As a result, I called their customer service number on XX/XX/XXXX to close the account. I was informed that I would receive a paper check. 

On XX/XX/year>, I called again for an update and was told to wait three weeks. Now, on XXXX XXXX, I still have not received the check. I called today for further information, but Citibank was unable to provide any updates. I have recorded my conversations with Citibank and am shocked that such a reputable institution operates in a manner that feels deceptive. 

I have the CD account number. Interestingly, once you close the CD, Citibank blocks access to the account number.
Product: Checking or savings account

My name is XXXX XXXX, I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and king soopers. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me. I did try to file a complaint already but it came back as closed. I would like to open this again because I need my money. Ive been trying since XXXX.
Product: Debt collection

I have no knowledge of this debt and this debt do not belong to me.
Product: Debt collection

My husband abondoned me and he got pay day loan credit debt and using my edentity and the consumer wan na pay me and we still married
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

diversified recovery systems keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and XXXX is still trying to collect the original amount.
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 {$0.00}, {$900.00}, {$1200.00}, {$2600.00}, {$2300.00}.

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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Debt collection

I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the method of verification for XXXX XXXX XXXX And XXXX XXXX XXXX and all I keep getting sent to me the same verified and up dated letters. I never get a direct answer, they never provided me with any method of verification. These items are false and I want them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized charges on the credit card. when i made discover aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and discover has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. Discover will not provide or allow me access to my account to provide any supporting evidence or documentation
Product: Debt collection

Sometime in XXXX I received a credit card bill from XXXX XXXX XXXX XXXX for an account ending in XXXX. I was never a member of the credit union, I never applied for a credit card, I never possessed or used a XXXX XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX XXXX and I was told that they had evidence that this was an identity theft and a fraud. They told me not to worry, that the request of payment would stop. They stopped sending the bill but sometime in XXXX I received a letter from Apelles Collection agency ( XXXX XXXX XXXXXXXX XXXX OH XXXX ) requesting payment. I replied that this was not my debt. I called again XXXX XXXX and was told that they knew it was not my debt and that the payment request would stop. The collection agency stopped its request until now. On XX/XX/XXXX I received a new request of payment from the collection agency. I called again XXXX XXXX XXXX XXXX. This time they told me that the only thing I could do was to file an appeal.