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

I am writing to formally dispute and bring to your immediate attention several inaccuracies and inconsistencies in the negative items being reported across my credit report. As a credit bureau, it is your legal and ethical obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported on my credit file is accurate, complete, and verifiable. 

However, based on the data provided below, you are falsely reporting negative items that are inaccurate and inconsistent across the three major credit bureausXXXX XXXXXXXX, and Equifax. This lack of accuracy raises serious concerns about your credibility and the effectiveness of your processes for ensuring compliance with federal laws.
Product: Credit reporting or other personal consumer reports

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. 
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX Bank, XXXX, XXXX, XXXXXXXX, XXXX, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX XXXX. is continuing to report this negative, closed account within my consumer report.
Product: Debt collection

I have been notified by the debt collector of an outstanding debt that I did not create nor authorize. 
I was not seen by or treated for by the client of the 3rd party debt collector. 
I did not sign, authorize, or receive any treatment or service on XX/XX/2019. 
The debt collector is unable to provide the proper/correct information such as : Signature of authorization Itemized billing statement Original/correct amount of invoice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Cease and Desist Notice Regarding Closed Account and Reporting Issues To Whom It May Concern, I am writing to formally request that XXXX XXXX immediately cease and desist from any further reporting of inaccurate, misleading, or disputed information related to my closed credit account referenced in my Experian credit report. The account was closed at the credit grantor 's request, and it was previously in dispute, as noted in the report. Despite this, the account remains reported in a manner that is affecting my credit history and score.

Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I request that you take the following actions within 30 days of receipt of this letter : 1. Cease reporting any inaccurate or disputed information regarding the closed account to Experian, XXXX, XXXX, or any other credit reporting agencies. 
2. Provide written confirmation that the requested corrections have been made or that the inaccurate information has been removed.

3. Refrain from any further collection activities or adverse actions related to this account.

Failure to comply with this request will result in my pursuit of all legal remedies available, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue legal action for damages caused by your continued reporting of disputed and inaccurate information. 
Please confirm in writing that you have received and complied with this request. You may send your response to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit card

A discrepancy between the promised and actual reward for a credit card application. I applied for and received a Prime Visa credit card from Chase. According to the advertisement at the time of my application, I was supposed to receive a {$200.00} gift card, not the {$50.00} one I eventually received. 

Here are the detailed events : On XX/XX/XXXX, I saw an advertisement on Chase 's website regarding the application for an Amazon co-branded card. For the standard Amazon Visa, the gift card reward was {$50.00}. However, Amazon Prime members could apply for the Prime Visa with a gift card reward of {$200.00}. ( Unfortunately, I did not take a screenshot at that time, but even now, the Chase website shows a {$100.00} gift card for Prime Visa, higher than the standard Amazon Visa 's {$50.00}, as seen in XXXX ' ). Consequently, I subscribed and paid for Amazon Prime membership ( proof in XXXX ' ) .After this, I proceeded to apply for the Prime Visa XXXX XXXX XXXX XXXX, the sole application channel for this card. Even if one clicks on the application link on Chase 's site, it redirects to Amazon. I ensured during the application that I was indeed applying for the Prime Visa with a {$200.00} gift card reward. 

Shortly after, I received an email stating that I was approved for the standard Amazon Visa card with a {$50.00} gift card. I immediately found this unacceptable and called Chase. I informed them I had applied for the Prime Visa, hence should get the {$200.00} gift card. The representative mentioned they only received data for the standard Amazon Visa from Amazon. I explained that as a Prime member, I should be entitled to the Prime Visa, and expressed my intention to cancel the card and reapply. The card was subsequently canceled. However, when I attempted to reapply the next day, the website indicated I already held such a card. I contacted Chase, and they confirmed the card was canceled. They weren't sure why I couldn't reapply, but offered to issue a Prime Visa card directly over the phone, which I accepted. I believed that this should come with the Prime Visa 's welcome reward. Yet, to this day, I haven't received the reward I'm entitled to. I raised this issue with Chase, but they have refused to provide me with the {$150.00} difference in the gift card reward ( refer to XXXX ' ). From both the standpoint that I should have initially received the Chase Prime card and the perspective of being directly issued the Prime card after my phone complaint, I should get the matching reward for the Prime card : a {$200.00} gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : 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 CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im unsure how they appeared. I routinely check my credit report, but today I noticed discrepancies that I wasnt expecting. After refreshing the page, I realized the issue wasnt a glitch. Please carefully examine the documents Ive submitted and address this promptly so I can stop worrying about it.
Product: Credit reporting

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX car installment loan. On TransUnion reports dated XX/XX/2016, and XX/XX/2016, my XX/XX/XXXX payment was not included. Also, one of the officials stated that my low credit score would change after 3 months of payments on this car loan. It appears that TransUnion may have deliberately refused to reflect my timely payments. XXXX XXXX is sending me a letter stating that TransUnion was notified of my XX/XX/2016 payment in a timely manner. TransUnion without my request or permission chose to opt me out of promotional lists supplied by TransUnion without any expiration date. It is my position that for some reason unknown to me has maliciously sabotaged my credit report by these various uncalled for actions. This is a complaint totally different from the previous complaint with CFPB. These negative actions of TransUnion causing my credit score to be Grade XXXX even though I always make all payments in a timely manner and every account on my credit report states " paid as agreed ''. TransUnion is violating FCRA laws.
Product: Credit card or prepaid card

In XXXX of XXXX, I purchased four airline tickets to fly back east for a total of {$970.00} using the XXXX XXXX fly now pay later promo. In XXXX of XXXX, I noticed XXXX charges in the amount of {$73.00} on the credit card for a total of {$290.00}. The description for those charges said merchandise. I immediately called the credit card company to dispute those charges. It went to the fraud department so that can do their investigation. I was issued a new card. On XX/XX/XXXX I received an email from XXXX XXXX that my trip was canceled. I called to inquire why they canceled my flight. They informed me that because there was fraud on my card the credit card company canceled my reservation. They also informed me that I would be refunded the amount of {$970.00} to my XXXX XXXX card. Since I already had hotel reservations booked back east and airline tickets were increasing I had to purchase another set of four tickets for a total of {$1500.00}. After that, I started seeing multiple charges and credits in the amount of {$73.00}. As of today, I have made {$690.00} worth of payments. As of XX/XX/XXXX, my current balance is {$1700.00}. I have called numerous times to complain that my balance is incorrect. I was first credited {$970.00} to my account. I made a second purchase for {$1500.00} minus {$690.00} my balance should be {$890.00}. I have told them this numerous times and they keep telling me oh we see the problem we will fix it and wait 10 days to see the corrections. I check and nothing is being done to resolve this issue. I have talked to numerous supervisors and I am being cheated and overcharged.
Product: Mortgage

I am writing to complain about Champion Mortgage Co. I 've had nothing but problem with this company in the past. They have made so many mistakes in the past especially with transactions History. which I am not disputing some of them waiting to hear back from them about this. My father did a reverse mortgage on the house that I now own. My father XXXX XXXX on XXXX XXXX, XXXX and left me the house. On XXXX I received a letter from Champion Mortgage telling me that they had received the funds and posted the payoff on XXXX to the reverse mortgage loan in the amount of {$330000.00}. Therefore the reverse mortgage is now paid in full. I had to sign a listing agreement to keep from losing the home. with it now paid in full I am trying to get a full reconveyance from this Company and I am getting the run around. They transferred my fathers loan over to reverse mortgage solutions whom I 've been in touch with and told them about the letter from Champion Mortgage which they should of already had if Champion turned over all the proper paperwork. Ive faxed over to XXXX the copy of the letter and I am still getting no where. They tell me they need a copy of my fathers XXXX XXXX which they again should of already had so I faxed that over to XXXX. They tell me no your loan is n't paid off. Well yes it is. I am not going to stand here and let them tell me this was also a mistake. Just how many more mistakes has this company made. They said they received the funds, so Im assuming my dad had something set up to pay it off when he XXXX XXXX  because they said they received the funds and it was now paid in full. All I want is a full reconveyance so that I may be able to move on in my life. I 'm tired of the run around I get from these people this is why peoples homes go into foreclosure because you ca n't get anywhere with them. Even after you 've done all that they ask you to do its always something eles they need. If you read up on the consumers affairs reviews for Both Champion Mortgage and XXXX they are nothing but BAD reviews on the both of them. so many people have lost their homes because of them and I do n't intend to be one of them.Its already been over a month since they sent me this letter and Ive heard nothing from Champion Mortgage and they wont talk to me because they turned the loan over to XXXX.And XXXX keeps giving me the run around/ I do n't know what they do n't get about my loan been PAID IN FULL. I 'm attaching a the letter to this so you can see it for yourself. Anything you can do to help me get my full reconveyance would be appreciated so I am not another one of their victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX I noticed online there were hard inquiries on my credit profile from 700 Credit XXXX XXXX XXXX. Later in XXXX, I also received a letter stating the same thing and I noticed my name was also spelled incorrectly. I have attempted to contact 700 credit and XXXX XXXX but they have been no help nor could they prove I authorized a hard inquiry on my credit profile.
Product: Mortgage

Some time during the month of XX/XX/XXXX Freedom Mortgage sold my loan to XXXX XXXX  I received noticed on XX/XX/XXXX. However on XX/XX/XXXX Freedom Mortgage drafted my bank account for loan payment that came due I noticed this on XX/XX/XXXX on their website where I make payments it showed where it was drafted XX/XX/XXXX but it was reversed on XX/XX/XXXX. I called Monday XX/XX/XXXX to inquire about the reversal I was told it would take a couple of days it was done electronically. So I waited a couple of days still not returned to my bank Wednesday XX/XX/XXXX I called again questioning the money that was taken out I was then told give it till Friday. By this time Im worried cause now my bank account goes negative balance because of the other bills that came out so I have to go take out a loan because the money freedom took out is still not replaced. Friday XX/XX/XXXX I call freedom mortgage again asking for my money to be put back into my bank because I have made my house payment to the new mortgage because I dont want my house payment to be late. I was then told another story now the date to expect it is by XX/XX/XXXX I had told them that they take the money out electronically and they get it in one day but when you supposedly show you reversed the payment you give me all these dates electronically shouldnt take very long for my money to be returned. So I call again Monday XX/XX/XXXX spoke to XXXX questioned my money once again this time Im told another story now they tell me they sent my money to the new mortgage holder I had told them they they in fact did not he insisted thats where it went. I get off the phone with him call my new mortgage holder ask if they had received any money from freedom mortgage because Ive done made the payment I was told by XXXX XXXX  they have no record of any monies from freedom and that if it was sent to them it would have had a tracking number and that the only money received was from me when I made the house payment. I get off the phone call freedom mortgage right back and tell them once again they did not send my money to new mortgage holder and that the money needs to be put back into my bank account. This time Im told you do know your loan was sold I said yes but that you have taken {$680.00} from my bank that you say you have returned to my bank and as of today its still not in there I was put on hold so that the matter can be looked into he comes back on the phone tells me its now a enternal problem and they are giving themselves till XX/XX/XXXX to have this resolved because now they dont know exactly where my money is he told me its in a XXXX and not sure where the money will be placed. So as of today XX/XX/XXXX I have yet to receive the reversal they claim they did I just want my {$680.00} back in my account. When you are expecting your money to be put back into your account and its not and now I had to create a small loan to cover what they cant or wont replace its unnecessary debt that I have incurred. I would like my {$680.00} back in my account.
Product: Prepaid card

I have received multiple American Express prepaid cards. The cards have a number and expiration date, but do not have a name or zip code associated with them. When attempting to make online purchases the card is declined every time as the merchant can not verify name and zip code. 

Customer support continually asserts that I simply need to find a merchant who doesn't require my name and zip code to verify. I know of no reputable merchants that accept payments without verification. The card can not be used in person as it is digital only. 

At this point I'm going to lose all of the value to the {$3.00} a month fee because I can not use the card anywhere. The cards are a scam.
Product: Debt collection

XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom XXXX referred me to Independence Capital LLC at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX. 

They blamed XXXX for not closing the matter properly. XXXX denies this fact. See attached for incorrect data/information by Independence Capital LLC 's CSR
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit card has been stolen, and checks were deposited into my account. My bank told me they dismissed & closed all my claims/cases
Product: Credit reporting or other personal consumer reports

Starting in XX/XX/year>, I contacted Experian regarding inaccurate information on my credit report in order to dispute the XXXX XXXX account that is on my credit. I have sent Experian XXXX letters proving that the information is inaccurate and different than what XXXX and XXXX are reporting. All they have done is respond with letters stating that they don't believe I am the person submitting the information. I am now requesting the account to be permanently removed from my credit report as the dates, the date of last payment, balances and account number are all inaccurate and they do not match what XXXX has sent me or what the other credit bureaus are reporting.