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

When I received an invitation and opened a credit card with citi AAadvantage card, they have promised if I spend {$3000.00} within 3 months I will get promotional XXXX miles from AA. 
Now they are not paying my promotional miles saying you had a card with citi and cancelled around 24 months ago. 

They never said that when they invite to apply.I talked several times and no luck.
Product: Debt collection

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX  XXXX ] [ XXXX XXXX Ca XXXX ] [ XXXX ] [ XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureau Regulation, 12 CFR 1006.34 ( b ) ( 5 ). 

I have identified the following charge-offs reported by XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that I believe to be inaccurate or incomplete : Account Number : XXXX Date of Charge-Off : XXXX Amount : XXXX Basis for Dispute : 1. Inaccuracy of Information ( FCRA, 15 U.S.C. 1681i ) : According to the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The charge-off information reported by XXXX XXXX XXXX is inaccurate/incomplete due to [ specific reason, e.g., incorrect balance, dates, or duplicate entries ]. 
2. Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Under the Consumer Financial Protection Bureau Regulation, creditors are required to provide accurate and complete information when reporting debts. I request that XXXX XXXX XXXX verify the debt and provide me with all documentation regarding the alleged debt, including but not limited to, the original signed agreement and a detailed payment history. 

Action Requested : I request that the credit bureau investigate this matter and remove the inaccurate charge-off entries from my credit report. If the investigation shows that the disputed information is indeed inaccurate or incomplete, please delete or correct the information accordingly. 

Enclosed, please find copies of relevant documents supporting my dispute, including [ list of enclosed documents, e.g., payment records, correspondence with XXXX XXXX XXXX, etc. ]. Please conduct your investigation and update my credit report to reflect accurate and complete information. 

I expect to hear from you within 30 days, as required by the Fair Credit Reporting Act. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] Make sure to include copies of any relevant documents and send the letter via certified mail to ensure it is received and documented.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX refuses to remove inaccurate information off my credit file after sr ding in identity theft report and police report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). 1 kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. Back of America made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by Bank of America and should not be on my credit report. This is an extremely systematic and unfair reporting practice.
Product: Money transfer, virtual currency, or money service

https : //www.bakkt.com/ ( Using the bakkt app on XXXX. ) After submitting personal information ( such as SSN, address, etc. ), linking a bank account and initiating a withdrawal, my account was locked. Worried the company may be fraudulent or have fraudulent intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There are 2 accounts reporting to Equifax which are fraudulent and I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
Product: Credit card or prepaid card

I have a Bank of America Platinum Honors Premium Rewards Signature Visa Credit Card. Bank of America disputes department failed to assert three disputes on my behalf. The case numbers for the disputes are XXXX, XXXX, and XXXX. 

From XX/XX/2019 to present, I have repeatedly attempted to dispute the transactions, but Bank of America has failed to process the disputes. In each case, the disputes representative has only asserted that " the merchant has stated the charges are valid, '' and has failed to request information from me or process a chargeback.
Product: Credit card

I noticed a transaction on my Citi XXXX XXXX on XX/XX/year>, but I could not get more information about it. 
I am requesting more information about this transaction. I did not make any purchases on XX/XX/year> for {$870.00}. 
XX/XX/year> XXXX XXXX OFFER XXXX MOVED TO STANDARD XXXX {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX2022 at around XXXX pm XXXX, I tried to transfer funds from my Money Network account to an already active credit union account. During the process of the transfer I was never once asked for my account information and was never asked to check or verify any information other than my account I held with Money Network. After confirming a transfer the money was withdrawn from my account without getting sent to my other account. I would like to know how I would receive the withdrawn amount as I have never specially stated how and where I would like that money transferred and if there are any other steps I need to take to ensure the amount funds its way safely to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have had store accounts through Synchrony Bank with an address in XXXX, FL for : * XXXX XXXX XXXX XXXX XXXX. 
*Wal-Mart These accounts have not had a balance in years, yet Synchrony continues to hit my credit report every other month. The phone numbers listed on my credit report will not allow me to close the accounts, only make a payment. 

Synchrony Bank 's direct number was useless in trying to close these accounts and stopping the bank from hitting my credit every other month. 

Because these accounts are old and paid off, I no longer have the card or account numbers.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with MyFreeScoreNOW After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXXXXXX XXXX  XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violate my rights numerous of times I demand the account listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account : XXXX XXXX {$1600.00}
Product: Checking or savings account

I got charged twice off of my cash app card from a restaurant well they refunded me and took it right back and they got it by making it a pending transaction. I contacted cash app and denied my dispute through a automated robot chat system they have on the app. I couldn't contact them directly because there is no number for cash app
Product: Credit reporting or other personal consumer reports

I was looking at my credit report I have notice that there are some inaccuracies in the following account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Due to a host of reasons, I was forced to sale my car to ensure proper and timely payment on my mortgage. After providing the dealership with my title, I deposited the funds into my Bank of America checking account. Not surprisingly, funds were put on hold. It is what happened next that is alarming : 1 ) I received notice my account was closed due to submitting a fraudulent check 2 ) The check was from the dealership that purchased my car. This dealer also banks with Bank of America. 
3 ) While the check cleared the Autodealer 's account, BOA blocked and closed my account, giving me no access to much-needed funds to pay my mortgage 4 ) Worse, no one, to this date, can provide an answer as to why my account was closed. 
5 ) I provided certified letters from the dealership confirming payment. 
5 ) Even the branch manager ( XXXX XXXX /XXXX  ) can not figure out why my account was closed 6 ) I was told it would take 7 to 10 days to research the issue, which is unacceptable. 

It is unimaginable how BOA can simply shut down an account for no reason, blocking access to funds. I fully understand bank and fed hold policy, however, this situation far exceeded federal guidelines and worse, treated me like a criminal. Meanwhile, the auto dealership provided a certified letter confirming the funds had cleared their account. The inaction by BOA is simply unacceptable. Please help!
Product: Debt collection

I got an email last night stating that if they dont hear from me in 48 hours, they were going to take legal action towards me. In the email they stated that the XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 )  VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER. 
They stated that they have all right to report to the FTC, my employer and bank about the fraud. I sent this email to my bankruptcy lawyer and Speedy cash was discharged.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! 
Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : 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. Ally Financial 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 Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities. 

I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. 

Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. 

Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Experian investigate the issue as they will not reinvestigate.
Product: Debt collection

This account does not belong to me and is a result of identity theft. 

Disputed with all 3 bureau 's on XX/XX/2019 for both accounts, results came back unchanged. 

This company has attempted to sue me two times over the past year even though I have been living in XXXX for 1.5 years at this point and they don't seem to be stopping. 

They've been calling my work phone number as well when I have told them to stop harassing me several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

Equifax and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.
Product: Debt collection

I was recently notified that AWA collections was trying to charge me for an account I do not have. I do not and have not ever had an account with them. Upon receiving the information, I was not notified properly of the information and was illegally put on my consumer report. With that being noted, AWA collections has violated my consumer rights and Id like this information to be immediately investigated and removed from my consumer report.
Product: Money transfer, virtual currency, or money service

It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX  and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union
Product: Vehicle loan or lease

On numerous occasions I have reached out to Lendmark Financial via telephone, In-person, and online for help to either be denied or ignored. The statements for my car are coming in my husbands ( soon to be ex due to XX/XX/XXXXXXXX name ) and I am the only one making payments for the car. ( I can provide receipts ). He pays for his own separate car. I have been requesting that they change the statement to my name but it is usually met with rejection or me being told I have to apply for refinancing to remove his name. The problem with this is that I am already having issues trying to refinance, and Lendmark stated that I cant apply for another loan if I already have one open. From the beginning I should have known not to do business with these people due to the reviews but gave them the benefit of the doubt. Total price of car was close to {$8000.00}. I made a {$3000.00} down payment after hearing the ridiculous amount they wanted me to pay each month for a used high mileage vehicle. I also traded in my XXXX XXXX XXXX and was told by dealership that they credited {$200.00} for it. On none of Lendmarks statements or websites do I see a price breakdown of what was applied and where it was applied. In addition to that they stuck me with an interest rate of a little over 21 % even after the down payment. My payments come out to {$230.00} a month which does not seem fair given the down payment and my credit. Since XX/XX/XXXX of last year I have been making payments directly drafted from my bank account to Lendmark for the car. With that said and what has been calculated I should be close to paying off the vehicle but it still reflects that I owe them a little over {$10000.00}. Something seems really off about this. I also felt like they were preying on me being a new car buyer and were not very transparent in their loan processes. I recently saw an news post about customers filing a possible class action due to not being transparent about fees. After calculating I made a {$2600.00} down payment for a {$7000.00} loan. Offered trade-in $ XXXX {$2800.00} ( 12 months of payments ) = {$5600.00} paid to them since last year. Why would I still owe over {$10000.00}? And why am I being told that statements can not be applied in my name if Im the one paying for it? This all seems shady and unfair.