23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX I received an alert that someone applied for a Cabella capitol one credit card in my name. There is a hard inquiry on my credit report. I reached out to Cabella and Capital one. I was told they would remove it from my credit report and also contact the three major credit bureaus. I called them yesterday XX/XX/ to inquire because its still on my report and Capital one stated they could not give me any information.
Product: Debt collection

I started getting calls from collections agency regarding a pass hospital bill about XXXX months ago, I actually filed bankruptcy back in XXXX and this bill was part of this bill they are continuing to try to collect on, I have satisfied my XXXX plus years of paying my bankruptcy agreement in XXXX, and it has been Discharged with the satisfactory payments to all my debtors. However this collection company ( Wakefield and Associates debt collectors ), Continue to call me, I have spoken with them and they confirmed that they in fact have records showing that they don't understand why I received call since this in fact had been paid through my bankruptcy, but I continued to get calls from them several times after I spo with them and I continued to speak with them, asking to please remove me from these calls, so now when I call them back from their missed calls, ' they tried to say they didn't call me ', but as I explained to them, " why do they think I am calling, because I had a missed call from them ' they still trying to deny they called me even though they confirmed the number I dialed is in fact their Offices number '. So I blocked those numbers they continue to call from, so today they started 'Texting ', this is very stressful and I believe this is causi g me undo stress, I want to file a formal Complaint please.
Product: Credit card

I was a victim of the nationwide XXXXXXXX XXXX XXXX, which resulted in fraudulent charges occurring on my Capital One credit card. 
Capital One failed to conduct the investigation in accordance with their written policy for conducting consumer billing disputes which lead to me losing the dispute, account being closed and negative remark added to my credit score ( Case # XXXX ).
Product: Credit reporting or other personal consumer reports

Auto Advantage XXXX reported the account as being opened on XX/XX/XXXX to XXXX and XXXX. 

Auto Advantage XXXX failed to report payment history for XXXX of XXXX. Auto Advantage XXXX has the following inaccurate credit reporting which has violated my constitutional rights and XXXX XXXX under 15 USC and designated sub categories. 

Auto Advantage XXXX reported to XXXX in XXXX of XXXX that the account was XXXX  days late. In XXXX of XXXX the account was deemed to be XXXX  days late by Auto Advantage XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXX of XXXX that the account was 30 days late as of XXXX XXXX  60 days. 

Under XXXX XXXX XXXX as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with XXXXXXXX XXXX accuracy to the credit bureaus. Auto Advantage XXXX has violated XXXX XXXX and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to Auto Advantage XXXX and they failed to properly respond or correct any information within a reasonable timeframe under XXXX XXXX. Auto Advantage XXXX violated XXXX XXXX again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting. 

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. Auto Advantage XXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint XX/XX/XXXX and XX/XX/XXXX And FTC report was filed as well in regards to below account ; XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type XXXX XXXX XXXX XXXX Individual Date opened XX/XX/XXXX This account is fraudulent and does not belong to me. I will be attending documents to support my claim that I was incarcerated from XX/XX/XXXX until XX/XX/XXXX theres no way I could have open an account with these people. Thats probably why they will not respond to my Validation letter that I sent out on the above dates.
Product: Consumer Loan

On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed certified letters to XXXX. Equifax and XXXX asking to remove inaccurate personal information and update my current accurate information stated on my ID w2 and bank statement. On XXXX I received a letter from XXXX stating they thought a 3rd party requested it. Ive called 5 times on hold for over an hour
Product: Credit reporting

On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.
Product: Debt collection

NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERVICE ( A 3RD PARTY DEBT COLLCTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CRDIT COLLECTION SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND UNCOLLECTABLE AND IS ENTITLED TO DISCHARGE BY FOR OF

A 1099-C 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Student loan

The month of XXXX, 2024 should count towards my PSLF. This is one of several complaints I submitted regarding similar issues the have resulted in a painfully limited response. Typically the company responds with a seemingly autogenerated message regarding my student loans which appears sufficient enough to resolve my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Checking or savings account

I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. 

I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). 
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). 
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). 
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. 

I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. 
The chat record can be seen below. 

After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. 

I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. 

Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. 

I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to NETCREDIT XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX for their failure to address my disputes regarding the inaccurate reporting of timeshare accounts on my consumer credit reports. Per my divorce decree, the timeshare listed on my credit reports are to be the sole property of my ex-husband. Specifically, under the section titled ** '' Additional Clauses '' **, the decree states : * '' In regards to timeshares purchased during the marriage, ALL timeshares will become the sole property ex-husband. Wife will be held harmless of any matters regarding these properties. " * Despite multiple disputes submitted to XXXX and XXXX, these timeshares remain inaccurately reported on my credit reports. This misreporting is causing significant harm to my consumer profile and is severely limiting my ability to secure credit and financing opportunities. MONTEREY COLLECTION SV XXXX I have attached the following supporting documentation to this complaint for your review : 1. A copy of my divorce decree. 2. A copy of my ID. 3. Proof of address. 4. A copy of the disputed account reporting to XXXX and XXXX. I respectfully request the CFPB 's assistance in ensuring that these timeshare accounts are promptly removed from my consumer credit reports as they no longer pertain to me under the terms of my divorce decree. Thank you for your attention to this matter. By law, and per the ruling by the presiding judge, this timeshare should not affect me in any way let alone be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXXXXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraud accounts on my credit. The first account is XXXX XXXX and the second account is Sunrise Credit Services. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting XXXX, they have some one else information linked to my name and social. 
In reference to Sunrise Credit Services, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my account because I keep recieving random inquries, accounts, and charges on my credit cards.
Product: Debt collection

I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.
Product: Checking or savings account

I live in XXXX working at the XXXX XXXX and am an XXXX XXXX stationed at XXXX. While on XXXX XXXX in XXXX, my debit card was continually frozen due to " fraud alerts. '' I had to call each time to get the alert lifted. My wife used her card in XXXX and it was declined. I called USAA and they requested identify verification from my wife. I told them that she did not have time to talk with them due to being busy with the kids and asked them why she needed verification. They would not provide a clear answer and I ended the call. One important thing to note was that I was able to verify my account with my debit during this call or the next. I called numerous times later that same evening the customer service agents couldn't help me. One even said that she couldn't transfer me to a supervisor and that I would have to hang up and call again and ask for a supervisor. When I reached a supervisor, she looked into the case and I overheard her say to herself, " they even suspended his card. '' At that point it went to hold music and someone else eventually picked up the phone and then I repeated everything that happened and informed her that I submitted verification for both me and my wife along with a copy of my orders showing my XXXX address and the fact that I'm assigned in XXXX in the XXXX  She said that she couldn't do anything more until my wife could talk to them. I again reiterated that I submitted all of our documents needed for verification. An important thing to note is that when I was asked to verify my card number to authenticate during this call, the representative said my debit card number ( that I used successfully earlier ) was not the one they had on file. I called again later and another agent confirmed that they suspended my card as well even though the initial concerns were due to a transaction my wife made trying to purchase waffle cones at a park for our kids ( I knew the transaction since my wife told me earlier the transaction that was declined ). So now neither my wife 's or my card work and USAA says it takes two to three business days to verify the documents I sent them. This is beyond unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason for disputes : There are XXXX past due remarks on all XXXX of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 COAF has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because COAF attempted to make XXXX withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXX Checking Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with COAF I was told that I would not be charged late fees NOR would COAF report the activity to the credit bureaus.
Product: Prepaid card

On XX/XX/2023, I purchased four Vanilla gift cards from a XXXX store. {$500.00} was loaded to each one of these four cards as evidenced by the XXXX receipt. However, one of the cards couldn't get through the first swipe later on. When I contacted Vanilla gift card center, the customer representative told me that the system record indicated that the card was compromised since it was activated and loaded {$50.00} by someone around one month before I purchased it. The customer representative said that a {$50.00} card would be sent to me later on. I explained that I loaded {$500.00} not {$50.00}, but the Vanilla customer representative insisted that their system record showed otherwise, and I could only receive {$50.00}. Two weeks later, a {$50.00} Vanilla gift card was mailed to me which I refused to accept. 

Due to the XXXX 's purchase amount restrictions, I made a separate transaction for each card. So, I have four XXXX receipts, one for each of the four gift cards. I am not sure which receipt refers to the compromised gift card, so I attach all of the four receipts, the compromised gift card, and the {$50.00} gift card that Vanilla later sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Prepaid card

My cash app card was lost and I tried to order another but they texted me and told I couldnt get another there was no one I could talk to about the reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were made on my credit report that was not authorized by me.