23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued by Portfolio Recovery Associates. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive. 

Also I tried entering the last four of my SSN, but couldn't so here it is XXXX.
Product: Debt collection

I have received more than XXXX telephone calls from Paragon Revenue Group. Many have left automated voicemail. After sending dispute letter requesting proof which has not been provided, notifying them that I am only to contacted via USPS they called me, being very abusive threatened me with legal action and possible arrest. My granddaughter heard the conversation and has since had XXXX issues since. They have also put a negative mark on my credit report. All this after I have sent a dispute letter requesting proof.
Product: Credit card

XXXX and Synchrony Bank sent me an offer to open XXXX branded credit card, saying that I could get a {$200.00} bonus when I meet the mentioned conditions. 
I have met all my obligations but they have failed to provide the {$200.00} bonus. I have tried my best to resolve it with them. I have wasted countless hours on phone with these idiots but they keep lying and making excuses about this offer. Literally every time they come with a new non sensical argument, ranging from the offer doesnt exits, offer was invalid, etc. The latest lie they told me was that the offer gave only 3 months to meet the {$1000.00} spend which is clearly a lie as you can see from the attached documents. 
The biggest liar is the supervisor XXXX XXXX id XXXX ) who keeps claiming that there was no such offer. 

The worst part is that I already sent them all the proof about a month and half back and I have written admission from them ( sent by XXXX XXXX on XX/XX/2023 via secure messages and attached here ), that the offer is valid and I should get the {$200.00} bonus within 45 days of XX/XX/2023. But that was another lie as that didnt happen. please see the attached email with the original offer and the copy of secure message where XXXX XXXX admits that I have met the requirements. 

There was only one positive thing in those negative experience with Synchrony. And that was the supervisor XXXX ( id XXXX ). It was just my plain luck that I ran into him on my XXXX call to them today. He was the only reasonable person who within seconds of taking my phone call was able to pull the offer details, and confirm that I was sent that offer and that I had met the requirements of the offer and put in a ticket to get the bonus. Please recognize people like XXXX and get rid of garbage like XXXX who dont give a f**k about doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In accordance to the Fair Credit Reporting Act, XXXX XXXX : Account number : XXXX and Account number : XXXX, has violated my rights. 


According to 15 USC 1681 602A states that I have the right to privacy 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

Re : Uncorrected Void Transaction on Bank of America Prepaid Card I am writing to you today as, a recipient of California State XXXX benefits who utilizes a Bank of America prepaid card for my financial needs. I am writing to express my deepest concern regarding a recent voided transaction on my card and the subsequent, unacceptable failure to credit the funds back to my account. 

On XX/XX/2024, XXXX transactions of {$50.00} occurred on my card issued by Bank of America. However, this transaction was subsequently voided by Colorado Secretary of State, a government agency. Despite this, the funds have not been returned to my account, leaving me in a precarious financial situation with limited access to the essential resources my XXXX benefits provide. 

This delay in rectifying the error constitutes a violation of several state and federal regulations, including : * **California Civil Code 1749.45**, which states that prepaid cards must be credited with voided transactions within 48 hours. 
* **Regulation E of the Electronic Funds Transfer Act**, which guarantees consumers the right to dispute unauthorized transactions and have the disputed funds credited back to their account within 10 business days.

* **The Consumer Financial Protection Bureau 's Electronic Fund Transfer ( EFT ) Rule**, which reiterates the requirements for prompt crediting of voided transactions and emphasizes the vulnerability of XXXX recipients relying on electronic benefits transfers. 

Furthermore, Bank of America 's inaction has caused immense hardship for me as I am out of town in Colorado. As a recipient of XXXX benefits, every dollar is vital for securing her basic necessities and maintaining my well-being. This uncorrected error has left me facing : * **Financial distress : ** The missing funds create a significant burden on my limited budget, jeopardizing my ability to afford essential expenses like food, medication, and transportation. 
* **Emotional distress : ** The uncertainty and stress surrounding this issue, particularly for someone dependent on these benefits, can significantly impact my XXXX and emotional well-being. 
* **Loss of trust : ** This episode erodes my client 's trust in Bank of America as a reliable financial provider and leaves her questioning the security and effectiveness of the prepaid card system for XXXX recipients.
Product: Credit reporting or other personal consumer reports

I have KICKOFF on my credit as non payment and I did not authorize this company to move forward with my information. I tried several times to email them with no answer. I want this removed from my credit. Thank you
Product: Checking or savings account

I originally transferred money into a Citi accelerate savings account ( XXXXXXXX XXXX  ) thinking I was going to be making 4.39 % on my money which then when I opened the account it then stated I needed to deposit more then XXXX a month in order to get the 4.39 %. Which is not possible for me. So I decided to wire the money back to myself to my main bank ( XXXX XXXX XXXXXXXX ) Citi bank then blocked all access to my account and I received a letter in the mail on XX/XX/2023 stating within 60 days of my account closing I would receive my funds. I have now been fighting with them since then trying to get my funds back and they tell me a different story everytime I call or they just hang up on me. I have letters, 1099 forms, and other screenshots showing the money is there or somewhere but they will not give it back to me its been now 6 months and still no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for 2020 XXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Investigation of Consumer Rights Violations Dear CFPB, I am writing to formally request your assistance regarding a serious violation of my consumer rights related to inaccurate information on my credit reports maintained by XXXX, XXXX, and TransUnion. I have contacted the credit bureaus multiple time and nothing was never done expect saying that my file was accurate and that is false. There was also an occasion where my birth year was incorrect. 

I have previously submitted letters to the credit bureaus disputing various items that I believe are inconsistent, erroneous, and some of which have been on my credit reports for over seven years. Despite my efforts, including sending multiple letters outlining my concerns, I have not received any satisfactory resolution, nor have I been contacted by the credit bureaus to fully investigate these matters.

The specific issues I am encountering include : 1. **Inaccurate Amounts** : The reported amounts for several accounts do not align with my records.

2. **Outdated Information** : Some items on my credit report are over seven years old and should have been removed per the Fair Credit Reporting Act.

3. **Lack of Investigation** : I was never contacted by the credit bureaus for further information, which I believe indicates a failure to conduct a thorough investigation as required by law.

Given these ongoing issues, I am requesting that the CFPB take action to ensure that XXXX, XXXX, and TransUnion investigate my claims fully and delete any information that is inaccurate, outdated, or a violation of my rights under consumer protection laws. 

Thank you for your attention to this matter. I appreciate your support in ensuring that my consumer rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. XXXX 'S Never had this card or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; I filed a Chapter XXXX in XXXX of XXXX. I had purchased a 2010 XXXX XXXX, through XXXX XXXX XXXX. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is XXXX XXXX XXXX filed this with Experian, and will not get it corrected. We sent them a certified letter on XXXX, XXXX, explaining we felt that this was a violation with the FCRA. They responded on XXXX, XXXX, XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through XXXX XXXX XXXX. 

Kind regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few years I have used Experian and their phone app to open many credit disputes. This is a free service. I also opened some of these by phone which was painfully slow. I did this for a bunch of disputes over the last few years. However, when I log into the site and phone application I can not see all the details. Please provide me a printed and mailed hard paper copy of all the dispute files opened to date with your company. I need this for pending legal settlements. I have requested this before by phone and never got a response. The hold times were very long during covid19 and I am impacted by covid19 in many ways. Please provide the printed and mailed dispute files in a timely fashion in response to this complaint to avoid further legal escalations. Thank you.
Product: Debt collection

I have contacted Diversified consultants in the past about at XXXX XXXX XXXX bill that does not belong to me. They previously removed this fraudulent account from on my credit report and NOW THEY HAVE PUT IT BACK ON AGAIN. As I previously notified this collection agency that I do not owe this debt but yet once again without contacting me whatsoever they put this debt on my credit report. This debt DOES NOT BELONG TO ME!!!!!!!!!!!!!!!! This collection agency is using fraudulent information to ruin my credit report. They have done it before and once again they are doing it.
Product: Student loan

I have been in contact with XXXX XXXX Customer Service for several month to reduce my payment and they are not willing to work with me. I have filled out 2 financial sheet and the rep discuss with me that I have a negative income and don't see why I couldn't get my payment lower. I keep going back and forth with them, telling me to call back to get the different answers/results. They are ignoring my complaint and concern. I have paid off the smaller loan of XXXX and still they will not work with me to lower my payment. I email XXXX XXXX to see if they will work with me, and was told that they would be able to lower my payment to what I requested but they also need to talk to my co-signer. Once my co-signer called he/she was told something different, that they will not lower the payments. I have been making small payments and they said that doesn't matter and now myself and the co-signer have a default/delinquent on our credit reports. I have been trying in good faith to pay something, but I'm not getting anywhere with them making XXXX hr job and other necessary living expenses and loans and the same goes for the co-signer.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report access all 3 credit bureaus, I noticed inaccuracies regarding this account. 
TransUnion and XXXX are reporting late for the months of XXXX of XXXX while XXXX is reporting late for the months of XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 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. 

These late payments being reported are also on violation of 15 U.S. Code 1666b A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1666b Per XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Product: Checking or savings account

I saw an account opening bonus offer from U.S. Bank and it was mentioned in the offer that account can be opened in a branch, online or over the phone. Then I took the screenshot of this offer and went to the U.S. Bank 's nearby branch to open the checking account. 
- I showed the offer 's screenshot to the branch manager & he applied the promo code and opened my account on XX/XX/XXXX. He told me that I should receive the bonus after 3 months provided I meet the requirements. 
- Then I visited the branch after 3 months [ in XX/XX/XXXX ] to inquire about the bonus. The branch manager checked if I met the requirements & he confirmed that I have met them & should receive bonus by next month. 
- Again I visited the branch [ in XX/XX/XXXX ] & asked about my bonus. The manager again told me that it should be credited to my account soon in a couple of weeks. 
- After that I waited for around a couple of months hoping that I will receive the bonus but nothen happened. 
- Then I called the U.S. Bank 's customer service to raise my concern & the representative told me that they will get back to me in few days after inquiring the issue. But nobody called back. Then I called again & they said the same thing. 
- Finally, I got a call back from their promotion department & he said that the concern has been checked & the branch manager is supposed to make decision. He assured me that brank manager would call me in few days which he did. 
- Now [ on XX/XX/XXXX ] the current manager of U.S. Bank 's branch, where I opened my account, is saying that I'm not eligible for the bonus because the promotional offer was not directly sent to me rather I searched on XXXX for offers & landed on the their official page that showed this offer. This makes no sense to me - So, my concerns are as following : 1. why was I allowed to use that promo code at the first place if I'm not eligible?

2. why did branch manager assured me multiple times that I will receive bonus? 
3. why was that promotional offer available to everyone on their official website if it was supposed to be applicable to selected people? Atleast it should have been mentioned somewhere on the promotional offer. 

I think this is the trick they are using to attract customers to open accounts in their bank & I feel that I have been deceived.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX ( charge off ) XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX ( charge off ) XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  account type as derogatory, XXXX   account status as paid, and XXXX  account status as paid, which you are reporting different information between agencies, which makes this account invalid, delete per violation. Secondly, XXXX reporting payment status as collection/charge off, XXXX payment status reporting current, and XXXX  payment status as current, you are reporting different information, which makes this account invalid, delete per violation. Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different account status and payment status between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, which has hurt my financial situation., which as caused denial for of current and future funding. In addition, if the account was paid, then you have no legal right to still collect on this account. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard credit inquiry from XXXX XXXX using my name spelled incorrectly and my address was made on XX/XX/2022. Both XXXX XXXX and TransUnion were unwilling or unable to assist in removing the fraudulent inquiry
Product: Mortgage

I beg you stop lie the CFPB and me. 
See copy of my check paid at closing.Show me where is check to XXXX XXXX.It is in one {$2000.00} not like you answer {$1000.00} and {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; XXXX, Experian and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single one of these dispute letters. I received no response from XXXX, Experian or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the XXXX, Experian and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run by an individual XXXX XXXX XXXX. Money was transferred from my account via bank wire, in the total amount of XXXX USD, utilizing the services of XXXX XXXX XXXX XXXX