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

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused. 
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone.. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
A XXXX later, I got a XXXX bill for over {$300.00}. 
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly. 
They would not take the phone back, but did deactivate it. 
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.
Product: Credit card or prepaid card

My credit card company has closed my merchant non-performance dispute as they explain that too much time has elapse to collect from the merchant. Our purchase was for a XXXX XXXX membership that included " points '' awarded yearly to purchase travel related products such as airline tickets and timeshare stays. We purchased the {$19000.00} 25 years contract using 4 credit cards transactions. Three transactions with Barclays and one with XXXX. I will attach recent correspondence with Barclays that will detail the history starting with Barclays rejection of two f the dispute. One dispute was refunded after the Barclays investigation but the other two were not due to their agents failure to properly process the complaint that was filed by phone. The three transactions were disputed at the same time but the agent used a single case number which caused the other two to be dropped or ignored. The fourth dispute filed with  XXXX was refunded after their investigation. Again these details are in the attachment along with copies of the letters and evidence that my letters were faxed and expressed mailed to Barclays. I have tried to reach out to Barclays, twice, to avoid escalating resolution to a third party but they have not responded to my disappointment.
Product: Credit card or prepaid card

I applied for the American Express ( AMEX ) Delta SkyMiles Gold Card back in XX/XX/XXXX based on a welcome bonus offer advertised to me through their website and via pamphlet received in the mail. The welcome bonus offer advertised to me was I would receive XXXX bonus miles if I spend {$2000.00} or more in the first 3 months. 

After receiving my new credit card in the mail and reaching the required spend threshold I only received XXXX bonus miles from AMEX, not the XXXX bonus miles I was expecting. At this point, it seemed like a mistake was made because the offer AMEX actually applied was only XXXX bonus miles after spending {$1000.00} within 2 months. 

So I submitted a dispute with AMEX to resolve this discrepancy back in XX/XX/XXXX. I provided supporting documents to AMEX on XX/XX/XXXX via online document submission portal on their website, which showed the welcome bonus offer that was advertised to me ( i.e., XXXX bonus miles ). These supporting documents can be seen in Attachment # XXXX. 

My dispute/complaint would have been resolved if AMEX simply XXXX applied the better welcome offer to my account. 

However, I patiently waited 3 months and received no response from AMEX. Then I finally reached out to AMEX today ( XX/XX/XXXX ) for a status update. Their responses can be seen in Attachment # XXXX. Essentially, AMEX declined my dispute/complaint and would not honor the advertised welcome bonus offer that I based and pursued my application on. 

I genuinely feel like I've been misled by AMEX via false advertising and if I would have known I'd receive a lesser welcome bonus offer than what was advertised to me, I wouldn't have applied or accepted the credit card in the first place. Now I'm stuck with this credit card and risk affecting my credit score/history if I cancel it because of dissatisfaction with AMEX.
Product: Credit card or prepaid card

Paid off my closed credit card on XX/XX/XXXX via a real estate settlement check. 

On XX/XX/XXXX I noticed online that the payoff was an overage in the amount of {$160.00}. Therefore I request NFCU to transfer the overage to my checking account. The response was that there will be a " 14-day hold '' on the credit balance, AND that interest would be charged. This is the response : " Please keep in mind that balance transfer interest is charged from the date of the transfer until the balance transfer is paid in full. Interest will be charged for the balance transfer balance from XX/XX/XXXX through XX/XX/XXXX on XX/XX/XXXX when your next statement is issued. '' My request had nothing to do with credit card balance transfers! The credit card was a NFCU credit card that was closed years ago. The payoff was more than was due so there was an overage. I only wanted the overage credited to my checking account. As of today the overage minus their interest charge remains on a closed credit card account. 

On XX/XX/XXXX an interest charge of {$25.00} was debited from the credit card overage! This was interest for an account with a {$0.00} balance as of XX/XX/XXXX. 

Furthermore, a new request for the transfer of the overage to my checking account had to be made after XXXX. I was not going to make a new request since the full amount of the overage had been debited for a {$0.00} balance. As of this date the " reduced '' overage remains in the credit card account.
Product: Checking or savings account

XX/XX/XXXX when I was in Colorado on a business trip my debit card stopped working. I called in to Bank of America they told me that my accounts where closed. I went into a branch in CO. The branch manager suggested I could take my funds out of my checking while BOA was trying to get back to me on why they closed my accounts. However, I was not able to take my funds out of my savings, which had XXXX in it. BOA said they had to mail that check regular postal mail with no tracking number. This was ludriucris to myself and the branch manager given the amount. I have been calling several times to try and figure out why as of today XX/XX/2021 I still have not received my money in my savings. One lady told me when I called in it was sent to an old address and returned. However I made it abundantly clear what my new address is and clearly BOA has it considering they mailed me a lettering stating they closed my accounts. I received that on XX/XX/2021 but still NO CHECK! When I called again another lady stated it could take 90-120 days. When I asked when the check was cut she said XX/XX/2021! It is in cashier form with NO tracking number! That's just ridiculous. Another branch manger yesterday XX/XX/2021 could not understand why a branch was not able to just cut a cashiers check and put in my hand. I was hold once again it would have to be mailed US postal service not XX/XX/XXXX over night. I need my money please! I will be calling back today.
Product: Money transfer, virtual currency, or money service

I started service with WePay as it was offered as a third party company through a construction software. Within less than a week they froze and blacklisted my account stating that it was a high risk fraudulent account. They then said that the payments that had went through from our clients were going to be held for 120 days and then after that time they would be returned. We immediately contacted the construction software company and they stated we had to make and appeal which we did and WePay said they could not tell us why exactly our account had been blacklisted and they really couldn't provide us with anymore information than that. The total amount that is withheld is {$4600.00}. This was XX/XX/23 as of today XX/XX/23 these funds have not been returned and they have still not given us a date as to when this will happen. We have not committed fraud we are a legitimate construction company who is in good standing with all local agencies. We never signed any contracts with WePay authorizing this type of situation nor were we made aware that this was a possibility. I have emailed MULTIPLE times after waiting for the 120 days and I keep getting pushed off and made to continue to jump through hoops. This company has done this to multiple other people upon my research.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on credit report
Product: Credit card or prepaid card

Synchrony Bank lowered the credit on my XXXX XXXX XXXX card out of the blue. There have been no late payments or any issues ; I have been trying to pay the bill down. At XXXX XXXX on Thursday night XXXX XXXX @ XXXX XXXX, I get a credit monitoring report that my credit had been lowered on this card around about {$1200.00}. This bank is notorious for doing this with its good customers. 
This isn't the only thing ; about XXXX XXXX year ago, they just closed my XXXX credit card the same way and without any notice. Around the same time, they lowered credit on my XXXX card by {$1500.00} and they did my XXXX card the same way. 

This company is wreaking havoc on customer 's credit report and likewise mine. If they did want people to have a card, they should not have approved one rather than to do this.

I have had it with this bank doing this. I am going to see if there are other customers doing a class action suit because of this ; if so I want to jump in on it. If not, I may just sue them myself. This is ridiculous and this company should be fined or something for this.
Product: Debt collection

XXXX sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( American Coradius International ).
Product: Debt collection

XXXX XXXX  XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX  with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.
Product: Checking or savings account

I opened a US bank checking account on XX/XX/year>, as part of ongoing promotion to receive {$450.00} after having $ XXXX in direct deposit. It's been over 7 months, and I still havent received the {$450.00} promotional bonus. I've contacted US bank but they keep telling me to wait longer. However, I feel like 7months is long enough already, and I should receive my {$450.00} promotional bonus now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Product: Credit reporting or other personal consumer reports

Disputing XXXX XXXX due to the LAWSUIT from the CFPB on XX/XX/year> while i was XXXX XXXX. I had a illegal loan through them as they violated the XXXX and XXXX and requested a complete deletion due to these facts. ( Complete Deletion from my credit report. ) Not only is it still there BUT even though its charged off the debt has gone from XXXX to XXXX near XXXX in a few years and keeps mounting. Correct me if I'm wrong but charge off accounts should not be generating interest. Please inform XXXX Transunion and XXXX to delete said account from report due to various errors and the violations.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Civil Liability for Negligent Non-Compliance under Section XXXX I am writing to formally dispute the issue of civil liability for negligent non-compliance, as outlined under Section XXXX. The situation pertains to my Capital One account, which was incorrectly reported as late on XXXX separate occasions despite timely payments. The most recent report was updated on XX/XX/year>. 

Details of the Incident : Date of Incident : Reported XX/XX/year> Description : My Capital One account was reported as late on XXXX separate occasions, even though the payments were made on time. This incorrect reporting has negatively impacted my credit score and caused undue stress. 

Grounds for Dispute : Negligence : There was a failure to exercise reasonable care in accurately reporting the payment history of my Capital One account. 

Non-Compliance : The specific regulations or standards under Section XXXX were not met, leading to the incorrect reporting of timely payments as late. 

Consequences : The negligent non-compliance has caused a negative impact on my credit score and financial standing.
Product: Checking or savings account

My certificate is deposit supposed be insured, I lost all money for Covid as my lost on all 3 acounts, I get on debt on most accounts, I will like to get help, I lost XXXX $ because COVID, need something to do all my dreams and my family dreams are vanishing, Bank of America need help and be responsible if i miss any information on insured
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$830.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed hard inquiries from XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX  on XX/XX/year> and XXXX XXXX  on XX/XX/year> which I did not authorize. I have never applied for credit or services from this company, and I believe this inquiry was made in error or without my consent. 

I contacted These companies to dispute the inquiry, but I have not received a satisfactory response. This unauthorized inquiry is negatively affecting my credit score, and I am requesting its removal.

IfI request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter and provide an update
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Product: Checking or savings account

About a week ago, I went to my ATM at my bank and tried to withdraw funds. It told me that I could not perform the transaction at this time. So, I went to Bank of America and address the issue. They suggested I open up another checking account because the first one they detected some form of fraud. I did so, but the bank in their Infinite Wisdom closed both accounts. That put all of my direct deposits and auto pays in jeopardy and no one called me to tell me about what they were doing until I found out myself. I want Bank of America in Nevada to understand that they were messing with somebody's livelihood when they do this. Therefore I would like to file a complaint with Bank of America in Nevada.
Product: Debt collection

I was reached by XXXX XXXX XXXX agency who are located in XXXX XXXX, XXXX who is trying to collect debt from me. I did my due diligence and came to find out that according to XXXX consumer access this collection agency is not licensed to collect debt in XXXX  I am a very concerned consumer and want only true information. Please remove the item from my credit as you are in violation.
Product: Credit card

I received a call from Mercury Financial on XX/XX/year> and they made me aware that an account had been open in my name on XX/XX/year> online by someone else and they had immediately charged the card using the digital card the same day of over {$1000.00} of dollars. I was told that i need to file a police report and mail them a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2023 Consumer Protection Bureau To whom this may concern : This letter serves as a formal notice to file a complaint and request for assistance regarding accounts that has been disputed asking for removal due to not mines/inaccurate, name & address information that is not mines which shows on my credit reports, and the blatant disregard of the law that Experian has demonstrated. 
As indicated in the attachments, which is a copy of the letter that was sent along with the certified mailing receipt showing that it was delivered and follow up phone calls to the bureau asking for validation of the debt that shows on my credit report, the bureau has yet to provide how they retrieved this information and how was it validated. This information is causing great stress and financial difficulties to be awarded for a home due to inaccurate information that pose negative information that is not mine. 

As you are aware federal law requires a response from the bureau within 30 days of receipt of the letters that was certified showing they received. Please assist me with the removal of the following accounts below that are not mines along with the names and address that is not associated with me at birth or that is not documented as my identification shows Accounts that are listed on my credit report that is not mines. Have asked for validation of these accounts and have yet to received the data that was collected that shows the accounts belong to me. 

XXXXXXXX XXXX, XXXX ( Original XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX 
Account # XXXX Names that are not mines, but is still on credit report, which may be associated with accounts that are not mines. Please assist with requesting Experian to remove these unknown names and any accounts that are associated with these names in there data base. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not mine, but is still on credit report, which may be associated with accounts that are not mines. Please assist with requesting Experian to remove these unknown names and any accounts that are associated with these names in there data base. 

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