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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/year> : XXXX XXXX XX/XX/year> :
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to notify you regarding a {$0.00} charge-off account with XXXX XXXX  that was disputed on my XXXX credit report. The dispute investigation was completed on XX/XX/year>, and XXXX has confirmed that the account was deleted from my XXXX credit file. 

Since the account was deleted from XXXX due to its unverifiability, I am requesting that your credit reporting agency also remove this same account from my credit file, as the account is now considered unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to report only accurate, complete, and verifiable information. If an account is found to be unverifiable, as in this case, it must be deleted from my credit report. 

Legal Rights : FCRA Section 1681i : Under the FCRA, when a consumer disputes an item on their credit report, you must investigate the dispute and ensure the information is accurate and complete. If the account can not be verified, it must be deleted. Since XXXX has already deleted the account, your agency is required to do the same. 

FCRA Section 1681e ( b ) : This section of the FCRA mandates that you maintain procedures to ensure the accuracy of the information you report. If the account is unverifiable, it must be removed from my credit report within 30 days of receiving notice.

Right to Sue : If this account is not removed within 30 days from the date of this letter, I reserve the right to pursue legal action under the FCRA. I may file a lawsuit for violations, which could include seeking actual damages, punitive damages, and attorney fees. 

As per my rights under the FCRA, I expect that the unverifiable account be removed from my credit report within 30 days of receiving this letter. Please provide written confirmation of the deletion of this account or explain why the account has not been deleted in accordance with the law. 

Failure to comply with the FCRA will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I will be monitoring my credit reports for compliance and expect a resolution within the legally required timeframe.
Product: Credit card or prepaid card

For my CitiPremier card, I was told by XXXX on XX/XX/2019 that my sign up bonus of XXXX ThankYou points will be updated by XX/XX/2019. It is now past this date, and I still do not have the points. Please post the sign up bonus, as it is now late from the promised date.
Product: Mortgage

Why do you not pay attention? I made a second bank wire on XX/XX/XXXX. They still have not acknowledged receiving my XX/XX/XXXX payment. They have my money and have not applied it to my loan. Their bank XXXX XXXX acknowledge receiving it. And they have reported me " missed payment '' twice until I made two payments in XXXX XXXX. In my first complaint that they did n't respond to and you closed I submitted the three bank wire documents, the one with XXXX XXXX payment, the one with XXXX XXXX payment, and one from XXXX XXXX  stating they received the XXXX XXXX payment. Do I have to keep submitting complaints until someone at CFPB does their job? Who do I report you to? I will for the third time upload these documents in this my third complaint because you did n't do what tax payers are paying your salary to do. Make them acknowledge receiving my money apply it to my loan or give it back. If you will read and pay attention to the information on each document will see that there is a wire for XXXX XXXX and for XXXX XXXX and the third document is a response from XXXX XXXX acknowledging receipt of the XXXX payment. Something you and Rushmore refuses to do.
Product: Money transfer, virtual currency, or money service

From Sunday XX/XX/XXXX to XX/XX/XXXX a woman supposedly named XXXX XXXX was supposed to sell me this XXXX for XXXX dollars yet she never gave me the XXXX nor my money and is holding my money and blackmailing me to give her more and more money to a certain amount to get my money back due to supposedly her card being on hold yet I still havent gotten nothing and just gotten scammed because she still asking for more and more to send me my part back
Product: Checking or savings account

My social security comes to me by direct deposit into my Direct Express debit card. On two separate months now I have been charged by various online companies that I NEVER AUTHORIZED. I have lost over XXXX to this fraud. I have reported the fraud, however, Direct Express will NOT reissue my money not stop this from occuring. They claim these charges were authorized. I NOT ONCE have signed up for anything they authorized. I have filed my dispute but it goes unanswered. I need help. I am XXXX and loosing my income over this.
Product: Payday loan, title loan, or personal loan

I am writing this for my sister. She is a senior citizen and on a limited income-Social Security. She had just had XXXX XXXX XXXX and was on pain medicine when she made this call. She didn't realize all of this. She was not thinking and very gullable, They say not to sign anything when you have XXXX for this reason. She thought it was a credit card she was signing up for not a loan at 293 % interest. She never signed for this online or by mail. She has tried to stop the loan and auto payments XXXX a month to no avail. The date started XX/XX/2017. Original amount XXXX payoff amount XXXX. On their website, which I signed up online to look at this agreement. It says she has signed by clicking to allow electronic consent, which she did not. How could she read and consent if she was not in person, online or by mail? She was on the phone. She did not receive this in writing. They put it out on their website but did not explain this to her. She doesn't do online, What can be done to get her money back? They have scammed her and forged her signature.
Product: Debt or credit management

I did not authorize any of the accounts to be open on any of the debts I owe. Some one stole my social security number.
Product: Credit card or prepaid card

Capital one closed my credit card after I just made a {$650.00} deposit for the purposes of boosting my credit score. I have been having a few issues before hand with the with my wife and a girl I was dating taking my card and making unauthorized purchase. I corrected the problem on my end. And now I lost XXXX on credit I needed because of it. But capital one opened me a new credit credit card with a {$300.00} limit and double the interest
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
High Balance : Inaccurate Last Verified : Inaccurate Close Date : Inaccurate XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Close Date : Inaccurate XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

I applied for the Best Buy card to purchase several appliances on XX/XX/2019. I received a delivery date of XX/XX/XXXX and was ready to accept my order. I proactively enrolled the credit card on auto pay so my credit card bill would be paid on time. 

On XX/XX/XXXX, I received an email that my order was cancelled. 
I called Best Buy several times to find out why my order was cancelled but no one could give me a reason why. I wouldnt have cared if you cancelled the purchase for some reason, however no one could tell me why. It was just cancelled. I was told I would need to reorder the products. I attempted to do that, and the delivery date was pushed out to XX/XX/XXXX. ( This would put me out almost two months without appliances My original order was XX/XX/XXXX expecting it XX/XX/XXXX ) In addition to you cancelling my order, On XX/XX/XXXX, Best Buy withdrew {$92.00} from my bank account when my balance was XXXX. ( I never received anything ) I cancelled the card today. 

I am requesting the following : 1. Best Buy Inquiry be removed from credit report. I only applied for this card to put the appliances on the credit card. Since I didnt receive the appliances, I would like the inquiry removed from my credit report. 
2. I would like the {$92.00} credited back to my bank account immediately. 

This was a horrible experience. After researching on-line and I see a lot of negative comments about peoples experiences with Best Buy.
Product: Checking or savings account

so we requested for currency change to get XXXX dollars a week before XX/XX/XXXX from our td bank. so when we went for pickup they give us XXXX XXXX dollar they took our td bank debit card for transaction so the employee of the bank gave us the money and said we all ok we count money in front of her twice and everything was good they give us receipt and we went home. so now after XXXX  months all of sudden on XX/XX/XXXX they took XXXX $ from my checking account without notify me and without giving me any reason so when i saw my XXXX $ debited from my account i called td bank right away and they give me the excuse that they didnt charge us full amount for the currency exchange which i dont even remember how much they took from my account on XX/XX/XXXX XXXX i approach the bank and tried to talk to manager the manager wasnt there so it took me two or three times to meet the manager so when i talk to manager they give us this self written by pen that they didnt charge XXXX $ they write that it supposed to be XXXX and they charge us XXXX $ i am feel like i amscamed that they just took my money from my account without no mail email or phone was recieved and they said they can do that without any notification i am not satisfied with their service because if i didnt pay them the exact amount which they took by themself from my card they usualy charge within a week how come they didnt realise they didnt charge me the full amount after XXXX months. i am not satistfy at all so i would like to get my money back i am not working hard to pay them for nothing
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in XXXX DAYS to be removed. 


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


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


XXXX XXXX XXXX and XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX , Re : Account Number XXXX I am writing to dispute the collection account referenced above. This debt was charged off, and I did not receive a 1099-C form for the charge-off. I do not recognize or owe this debt, and the past due amount and credit limit reported do not match, indicating inaccuracies. Additionally, the original creditor is listed as XXXX XXXX, and it is reported as paid off 100 %. Therefore, I do not understand why this account remains on my credit report. 
Please provide verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). Specifically, I am requesting : Documentation proving I am legally obligated to pay this debt The name of the original creditor The amount of the debt If you can not provide proper verification, you are required to cease all collection activities. Failure to comply may result in legal action for violation of the FDCPA. 
I request that you respond to this dispute in writing within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the XXXX XXXX and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have XXXX XXXX left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In XXXX  Worst Payment Status No Info Account Details Account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Product: Checking or savings account

After being denied my XXXX $ bonus for opening a Total Checking Account with Chase Bank they have said the bonus payment is available to me if i comply with the terms of their offer.No.1 being i must have a direct deposit total XXXX $ or more and No.2 said deposit needs to take place within 90 days.When these terms are met the bonus will be applied to my acount within 15 days of the deposit.XXXX XXXX XXXXXXXX  XXXX was electronically deposited in my account at Chase from the SSA i have met both requirements and the bonus should have been in my account no later then the XXXX of XXXXIn going back and forth with Chase they now contend this.The monies deposited XX/XX/XXXX by the federal government was not a proper Direct Deposit according to the terms of the offer.WRONG! EFT Rule at CFR Part 208 finalizes and reads partially that the Federal Government is mandated to deliver monetary payments by Electronic Funds Transfer..EFT rule updated and final XX/XX/XXXX XXXXThey continue to stall and skirt around their obligation to pay said bonus.Im asking you who else can i look to for help, information in this matter.I now want to receive more than the XXXX $ for Chase banks continued criminal behavoir and malfesence.This is so frustating but im using it as an oportunity to learn about the operation of banks mixed in with a little bit of knowledge of goverenmental agencies and some of their laws and regulations.Any help would be appreciated ... .Thank You ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I went to XXXX XXXX located in XXXX XXXX to obtain a personal loan. The first thing they had me do is sign a piece of paper stating that they were allowed to run my credit. After the lady was taking my financial information we realized because of my lack of income that I would not qualify for a loan. Because of this we both agreed that it would be best if I tried to have my wife cosign on the loan. After speaking with my wife she stated that she did not want to go through with that. I received several calls from the company but I never answered. We had decided that we would not go through with a loan. After the company did not get a hold of me they still proceeded to run my credit check on XX/XX/XXXX several days after I left the office. When I went up there to ask why they did that they said they had already ran my credit that day. So I asked her if she ran my credit before I gave her all my information in which the obvious answer was no. Her statements were obviously false because when I left the office the lady and I both agreed that I would be denied. So why would they run my credit knowing that it was going to be denied? I have a video of the conversation with the woman that ran my credit which I can provide. If someone was to investigate this I'm sure they would find that that's her job to run credit checks. I feel this is dishonest, unfair, and quite frankly a waste of eveyone 's time because as we had both agreed with no income my credit would be denied. So why would they run my credit anyways? I would like an investigation into the matter. I would also like for them to reverse any damage they have done to my credit do to an unauthorized credit check. These companies should not be allowed to do things like this. I know I signed a piece of paper but as I stated earlier we both agree that I could not qualify for a loan without any income. Also to run my credit days after I come into the office because they could not contact me by phone is fraud. For them to have a customer sign a paper for a credit check first before they even gather information about the finances of the individual is a scam so they can get away with things like this. 

Company : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX