23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have multiple accounts on my credit file that were added within the last month, non of these accounts are mine, I was informed that my credit file may have been merged with someone with the same or similar name, someone with a pervious address. Equifax refuses to fix this problem and continuously adds new accounts to my credit file every single day. They wo n't help me, they wo n't delete these accounts, and they wo n't un merge these XXXX credit files. I have personally called all these companies, and they ca n't find any information because my SSN does n't match anything they have on file. I 'm sick of doing Equifax 's job! They should be calling, NOT ME. They need to do their XXXX job. The accounts are n't mine, and I do n't want them on my file anymore. Furthermore, I have multiple accounts added to my credit file due to identify theft, and Equifax also refuses to remove those accounts as well. I 'm so sick of dealing with these rude mean people in their Consumer Affairs Department. They are mean, unhelpful, and just plain awful! I have the accounts that are n't mine listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX, XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$35.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$890.00} XXXX XXXX XXXX XXXX, XXXX {$360.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} All these accounts were added to my credit file from XXXX XXXX, XXXX - PRESENT. I personally find it odd that the 3 years I have had a credit file that none of these accounts have been on my credit file until 1 MONTH ago, when some of them are 8 YEARS OLD! Equifax is a scam and they need to remove these accounts now. I will be filing a report with my local law enforcement as well as the attorney general about their practices. I have filed a police report about Equifax and these accounts with the XXXX Police Department, the report number is XXXX.
Product: Credit card or prepaid card

In early XXXX, 2023 I applied for the CapitalOne Quicksilver credit card that offered a {$200.00} cash back after spending {$500.00}. I spent the required amount. I asked when the statement credit would be applied to my account. I was told by the representative that my card did not fall under this promotion, even though this was the promotion I applied for. The representative told me that CapitalOne reserves the right to switch credit card promotions on anyone applying for their card. However, I was NOT told this at the time I made application. She stated I was switched to a finance option card, which I do not need as I do not carry card balances. Furthermore, I would NOT have applied for a card that only offered a finance option as I do NOT want hard inquiries on my credit report. I have a credit report in the XXXXXXXX XXXX and do not make a habit of opening credit and negatively impacting my score. CapitalOne made a hard inquiry, and negatively impacted my score, and switched their card offer on me without my approval. They obviously knew they would have to pay out the {$200.00} to me after I spent the required {$500.00}. I know of others receiving this cash back offer without being hassled. Why was my credit card offer switched!? I am requesting that CapitalOne make good on their offer, for which I made application. They owe me {$200.00}. This is FRAUD on the part of CapitalOne to do bait switch business.
Product: Credit card

American Express had a promotion where new American Express Platinum credit card members receive a XXXX point bonus upon making {$3000.00} of purchases on the credit card within three months. I fulfilled the requirements within their guidelines and received the points. The points have been mostly spent. However, the remaining points have been locked up in the American Express system since the end of XXXX, 2016, pending what American Express is calling an " account review. '' A supervisor named XXXX, badge number XXXX, told me that she contacted the identity verification department and was denied access to my points, having been told the department is conducting a review of the account for eligibility of purchases made toward the bonus. Given the bonus was issued by American Express for valid purchases, I do not understand why AMEX has now locked up the remainder of the points ( XXXX ), valued at approximately {$63.00} ( of the original {$1000.00} worth of points ). Other representatives have told me an account may be flagged for review for eligibility because of returns made on the credit card, of which my account has none. I have been reading online about this promotional period, and it appears AMEX is trying to reneg on a promotion they offered widely to the public by falsely scrutinizing XXXX of accounts. I request the CFPB investigate American Express for this behavior, especially when it is affecting paying customers like myself, who pay {$450.00} per year for this credit card product.
Product: Debt collection

debt was a medical bill for daughters XXXX XXXX I had to fight with insurance company to get the money which was put into collections. This was paid and still it shows XX/XX/XXXX it was not. I have letter stating it will not be reported
Product: Credit reporting or other personal consumer reports

Company is in violation of cease and desist order that was sent XX/XX/2023. 

Cease and desist requires ceasing of all and any communication regarding alleged debt including reporting any information pertaining to me to ANY third party including CRAS!

Company is in violation of USC 1681 ( m ) ( A ) ( B ) ( C ) ( i ), ( ll ), ( ii ), ( a ) which states- REQUIREMENTS on users of CONSUMER REPORTS!!

B ) Action described An action referred to in subparagraph ( A ) is an ADVERSE ACTION described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.

( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; AND, ( II ) BEARS on the credit worthiness, credit standing, credit capacity, character, GENERAL REPUTATION, personal characteristics, or mode of living of the consumer ; AND ( ii ) DOES NOT INCLUDE ( I ) INFORMATION solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person furnishing the information ; OR ( II ) information in a consumer report.

COMPANYS ADVERSE ACTION of Unlawfully furnishing inaccurate information to any report or person without my written consent is harming my reputation and by law nothing pertaining to credit can harm a consumer reputation.

Company bought debt belonging to the United States see 18 USC 8. Debt doesnt Belong to me by law!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPTEDXXXX # XXXX, Account name : XXXX  XXXX # XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if 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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$8100.00}
Product: Credit reporting or other personal consumer reports

I noticed a few account on my credit report that I did not recongize and i disputed it with the credit bureaus! But it has now been more than XXXX  days with no response! and they haven't provided validation or proof of these accounts belonging to me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report
Product: Debt collection

Now i would like for the agency to produce the original purchase agreement that shows you are the legal owners of the alleged debt please include all terms and conditions that are included in this purchase agreement. if this information in any way isn't accurate nor if you cant produce the orginal purchase agreement within 72 hrs. I want this account removed from all credit bureaus this agency has reported to my credit file.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased a XXXX XXXX XXXX at the end of that lease I turned it in to a XXXX dealership after buying a brand new car from XXXX. I did not receive a bill or statement to notify me of charges associated with the end of lease. I did receive numerous spam calls from people identifying as GM Financial whoever asked me for my social security number and said they couldn't help. I was alerted from my Credit Card Service that I had been reported 30 days late to the credit bureau ( still have not received a bill ). On XXXX XXXX I finally spoke to someone at GM Financial and was told they had sent a bill to my address but upon further investigation it was sent to the wrong address ( not the address associated with the address on my account ). The representative said she would send it to my updated address and remove the 30 day late mark on my account. As of XX/XX/XXXX, I still had not received a bill and had been reported 60 days late. I called to talk to a representative who said that even if i hadn't received a bill i was still 60 days late. I asked to speak to a supervisor and i was put on hold for over 10 minutes, only for the representative to tell me no supervisor is available and she will have them call me when available. I never received a call. During my lease of this vehicle, I signed up for paperless and received my statements on my account. I am not sure why the statement for the final bill has not shown up my account. I have asked for a paperless statement or email and have been told they couldn't do that. I have not received any sort of notification of the charges or statement just a total bill amount, and I'm not sure how my account can be reported as 60 days late when a bill was never received due to their logistics and error. GM Financial has made no acceptable effort to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company has restricted my access to my credit report and/or score, disputing process, access to a credit freeze, and general online anything. Ive mailed in documents concerning multiple disputed accounts with incomplete information, inaccuracies due to such, late payment history, and sent in documentation concerning possible fraud to which the response was, packet incomplete, please resend documentation. Documents included were ftc report, law enforcement report, identification ( copy of drivers license and social security card ) and proof of residence all in a signature requested upon reception of documents signature card accompanying the paperwork in a stamped envelope addressed to the company. This is not what I would suggest is a legal action banning me from my own credit report and score online for no reasonable explanation. I feel like Im being discriminated against by not only XXXX but XXXX as well due to the timeline that has elapsed since Ive had the access to an updated online credit report and/or score and that I deserve some kind of compensation for the legal actions that need to take place. This has been going on for more than a year and its a headache and more stress to keep requesting credit reports that are even reduced by XXXX online or by phone. Everything has to be done by mail and its becoming very costly in required materials such as stamps, and very time consuming and additional stressed steps needed in order to view, dispute, or update anything on my credit report.
Product: Checking or savings account

I am Veteran. Chase Bank provided me with a Deposit box at no charge for Veterans. 
All of a sudden they change their minds and decided that they were going to perform an unauthorized charge my Checking account creating an over draft. I told them I did not want that box, and i wanted to return the box. I went to the office. They said they could not return my advance charge for a year, that i did not authorize. And i no longer have that service. I asked why I was being charged for the next year. They said that was the way it was. I told them that was not right and I did not authorize that charge. And I no longer have that box. They said that is the way it works. I contacted the Main Chase number, and they said to go back to the Branch. I believe i am being given a run around.I don't beieve Veterans and Senior Citizens should be treated like that. Promise something take it back and tell you, that is the way it is. I am paying for another year for nothing.
Product: Credit reporting or other personal consumer reports

I am attaching a copy of the previous complaint # XXXX, I responded to the creditor stating that they agreed to a repayment/recalculation of debt via XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX . Lowes/Synchrony states that I needed to make a minimum payment of over {$1000.00} when I signed up for XXXX to keep the account from going to write off status. I was never told by XXXX  or Lowes/Synchrony bank that even though we established an agreement with Synchrony to pay off the debt at a lower rate and a fixed lower monthly payment ; I was NEVER informed of {$1000.00} minimum to start. To be quiet honest, If I knew Synchrony was going to ruin my credit and report this as a write off even though a contact agreement was established, I would have never paid them another dime. What is the point of a repayment plan if they make up the rules on their end and not tell the consumer? 

I am requesting again, a copy of the agreement established between Synchrony/Lowes and XXXX XXXX XXXX XXXX XXXX ) XXXX I am also disputing this again with the credit bureaus because Synchrony likes to play games and wait to the very last minute to respond, and all they do is reply with " verified ''. This is my last attempt to obtain the copy of the contract before I proceed with legal matters.
Product: Mortgage

My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment. 

I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose. 

Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices. 

I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my protected consumer rights to privacy and confidentially under 15 USC 1681 Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX 15 U.S. Code 1681a Definitions ; rules of construction.

Sec ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Sec ( A ) subject to section 1681s3 of this title, any Sec ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The second rule I will be filing and disputing with you is from 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Sec ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Sec ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The third rule I will also be filing and disputing with you is from 15 U.S. Code 1681n - Civil liability for willful noncompliance Sec ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting

I urgency, I have been trying to obtain a copy of my Experian credit report since XXXX 2016. I have written to Free Annual Credit report for my Experian file and sent them my address details ; date of birth ; I have been on line to Free Annual Credit Report and requested a copy of my Experian file and I have been denied. I have telephoned and requested a copy and was denied. Why am i unable to receive a copy of my Experian Free Annual Credit Report, I have received my XXXX XXXX and XXXX but not my Experian file ... I need my credit report URGENTLY and it is my right and I should not have this problem.