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

I applied for a Discover Student credit card but was not immediately given an approval or denial decision and never received any correspondence via phone, mail or email. I just started college and applied so I could have a card to help pay for my tuition so this would've been my 1st credit card. As I was checking XXXX XXXX one day I noticed a Discover account on my report and it has a balance of {$2100.00}! I never received a card but someone obviously does. I would love to have a credit card with Discover but not one with a balance that I am not responsible for. No one was at my home XXXX of the time during XXXX and XX/XX/2018 and we have several missing mail pieces during that time. I have no credit but now because of this card I have bad credit as a result of fraudulent charges that need to be removed asap. Please help me get this fraudulent account removed from my credit reports. Additionally, Discover has contacted family members and discussed this account with them without my approval. One person that they called couldn't even verify any of my account information and Discover still told them everything about the account. I see now how easy it must have been for the criminals that ran up these charges. I filed a FTC Identity Theft Report on XX/XX/2018 and the report number is XXXX
Product: Credit reporting or other personal consumer reports

On Tuesday, XX/XX/year>, Experian sent my dispute results to a phone number via text that does not belong to me without my permission. This is a breach of privacy and who knows who else has my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus in XXXX of XXXX  requesting an investigation of items listed on my credit reports, Equifax has never responded, XXXX is denying me my right to a full and thorough investigation by insinuating I am not myself after receiving proof of identity, and XXXX has never responded by mail with an updated credit report or results from items that I have requested an investigation be conducted on, it is now XXXX of XXXX over the time limit for the credit bureaus to respond I am now forced to file a complaint on all three.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not read my previous complaint correctly AT ALL. XXXX XXXX declared me dead and then reopened my account months later. They added fees past due payments ( which they wouldnt let me pay because they said I was dead ). Then when I refused to pay interest and late fees and the past due of {$600.00} ( only past due because they wouldnt let me pay because they had it marked deceased ). I REPEAT THEY REOPENED THE ACCOUNT AFTER WITH NO APOLOGY OR EXPLANATION AND REFUSED TO REMOVE LATE FEES AND ACCEPT A REGULAR MONTHLY PAYMENT AFTER THEY HAD MY CREDIT FROZEN. SO NOW THEY KEEP CHARGING IT OFF!!! I offered to pay what was due before they closed and reopened my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a loan XX/XX/XXXX Company Name XXXX XXXX, Balance XXXX and it was found to be in my favor XX/XX/XXXX and it was removed and all negative things with it .Then i notice it back on my account XX/XX/XXXX then i called transunion at XXXX on XX/XX/XXXX to inform them that i was not notified about the information getting put back on there 5 business days, and i also informed them that under FCRA section 611, they said that it's not what they do they can't remove it and ill have to wait till XXXX till it falls off. Disregarding the law and choosing not to correct the problem.
Product: Prepaid card

I received 3 AMEX giftcards from my company all at XXXX each. 

I activated the cards on XX/XX/XXXX at attempted to use them for less than what was on the cards. 

I attempted the first 2 cards on XX/XX/XXXX at XXXX and both transactions were declined, one amount was about XXXX and the other was around XXXX. 

One of the orders contained a XXXX item that went through, but the larger XXXX item was declined. 

I called AMEX customer support and they said they " would make changes to my account and to try again in 24 hours. '' I attempted the 2 transactions again on XX/XX/XXXX and they were declined again. I even attempted to purchase smaller valued items ( {$25.00} ) and they were still declined. 

I called customer service again on XX/XX/XXXX and was advised to try a different merchant. I have tried XXXX XXXX XXXX XXXX XXXX XXXX and the card continues to decline even though the funds are there. 

On XX/XX/XXXX I attempted to use my 3rd AMEX giftcard and was approved for 2 transactions on XXXX ( XXXX and XXXX ) but any transaction after that has been declined, even though there is XXXX left on the card. 

I called again on XX/XX/XXXX asking for assistance on using these cards, the customer service rep said I need to use them at different merchants, to which I explained that there have been approved purchases on XXXX and now they are declined and I've tried different merchants and I'm still getting declined. I asked to speak with a supervisor as I have been having issues for almost a week with no resolution. I was put on hold for about an hour and then I was hung up on. 

I now have about {$510.00} left between the 3 cards that I can not use and AMEX customer service has done nothing to resolve. 

Note : I do not have screenshots of the declined items on XXXX because I had to cancel them so another card was not charged.
Product: Checking or savings account

I opened my account with Citibank back in XX/XX/2018 under the promotion bonus of depositing {$15000.00} ( within first 30 days ) and maintaining it for 90 days to earn {$400.00}. I had completed the deposit as soon as I was able to access my account online, and the money is still in the account from XXXX through end of XXXX now. I have for more than 60 days for them to deposit my bonus. My last complaint was filed on XX/XX/2018 with reference number XXXX. I prefer to be contacted via email, I was told they would resolve the issue with 24-48 hrs and the promotion team is working on it. I checked again on XX/XX/XXXX via online chat and was told I should hear back in 24-28 hrs. I contacted them today via online chat and the rep said they have until XX/XX/2018 to respond ( not resolve ) to the query. This is the first time I am being told about it. Upon further questioning, I was told to contact Central Dispute unit. 
When I did that via phone, I was told they are working on it. I told them this is not a fraud issue, it is a simple straight forward question of whether I have met the requirements and when they will deposit my bonus. The rep did not answer it. When I pressed further how long it would take " and do I have to wait a decade for an answer to the query '' she said the 24-48 hr timeline is incorrect, she does not know why I was told that and that they can take up to 45-60 days just to respond to the query ( not resolve ). 

I feel they are not honoring their terms. And skirting the rules. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX CARD was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


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


I demand the late payment to be updated. 


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


XXXX XXXX XXXX XXXX XXXX XXXX  Time to make payments 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 XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX. 


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


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to KLS Financial Services about an account on my consumer report I am not familiar with. The account number for this account is # XXXX. I sent this letter to KLS Certified Mail the Tracking number is # XXXX to ensure this letter would reach the company. 

KLS did not respond to dispute letter within the mandated time frame set forth by the FCRA. I request that this account be removed from my consumer report immediately! Obviously KLS financial services does not has the substantial proof to verify this accounts existence on my consumer report. Attached is the Dispute letter for account # XXXX to KLS financial and also the Tracking information to KLS Financial Services .
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( Experian, XXXX, and XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX  Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXnquired on : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX/CBNA to dispute acct # XXXX via certified mail on XX/XX/XXXX in regards to inaccuracy on my credit report. [ I owe {$450.00} as well as reporting delinquencies of 30 days late XXXX. I dispute the validity of the debt purport I owe.XXXX/CBNA provide an application, without a date that clearly states naps date XX/XX/XXXX XXXX XXXX  is this where they get their customer information from but if this is XXXX/CBNA proof wheres the contract to the application agreement, are all the purchase receipt they are electronic that add up to {$450.00} worth of purchases, canceled checks, late payment checks, itemized bill does not constitute verification. Then I sent another letter on XX/XX/XXXX 31 days later certified mail signed on XX/XX/XXXX informing XXXX/CBNA that upon checking my credit report XXXX/CBNA did not place a " NOTICE OF DISPUTE '' by the federal law within 30 days. You are required by the federal law to place a NOTICE OF DISPUTE when you signed on XX/XX/XXXX certified mail within the 30-day timeframe required, The Fair Reporting Act Section 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15U.S.C.1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to the consumer reporting agency is disputed. XXXX/CBNA has since marked report but they are still in violation when you report to all bureau you must notice of dispute to all bureau not to your favorite one ... ... .all three. Duty to provide " NOTICE OF DISPUTE '' by federal law my law XXXX/CBNA MUST REMOVE / DELETE THE ITEM OFF CREDIT REPORT. PLEASE ENFORCE THE COMPANY TO ABIDE BY THE LAW AT HAND THE VIOLATED.
Product: Debt collection

On XX/XX/XXXX a collections representative from a Commenity Bank (? ) contacted 2 of my distant relatives threatening them in regards to a debt that I know nothing about, as I and my spouse were both the victims of identity theft in XXXX and have supporting police records as documentation. All of this information has been submitted multiple times to each of the credit reporting agencies and we have disputed all of the incorrect accounts numerous times as well. The Commenity rep stated her name was Ms. XXXX and that they needed to make me call her back at XXXX-XXXX-XXXX Ext. XXXX within the next 24 hours or she would continue to call them until she was able to speak with me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfilled its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ament the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Checking or savings account

I sent multiple online messages requesting my accounts be closed. I went in person to a branch requesting all funds be placed in the main savings account and have all of the others closed. They have refused. They said they would follow up Monday, which they did not. The accounts have not changed. I signed paperwork showing which accounts I wanted closed and no accounts have closed. This is in a manner similar to the infamous XXXX XXXX " XXXX is great '' fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that CARMAX AUTO FINANCE account opened on XX/XX/XXXXXXXX  with account number XXXX was opened by someone else that was not me due to Identity Theft. XXXX, XXXX, and carmax refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. XXXX & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. 

On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. 

Carmax still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

2 fraudulent wired funds where transferred from my Bank of AmericaXXXX acct. on XX/XX/year>. Someone logged into my BofA acct without my consent and wired out a total of XXXX. I have done several fraud claims with BofA in regards to this and they denied my claims over and over. I have Never, Never given my password, pin, email access or bank information to Anyone. These transactions were made Without my consent. Bank of America never called me to verify the wire I never received an alert of what was taking place. They never called, texted, or emailed me to confirm these transactions. Making it very easy for the thieves that took my money without my consent. I have never shared any of my personal or financial information with anyone. Bank of America has failed to tell me where this money was even transferred. They have barely given me any information to help assist me in recovering my funds. I have filed a police report/ and an open claim with my life lock team to get this resolved. In hope of Bank of America will do what is right and return stolen money back to its customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CURO MANAGEMENT, LLC Inquiry Date XX/XX/2017 XX/XX/2017
Product: Bank account or service

On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This Wells Fargo HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. Wells Fargo will not report this loan as being paid off/closed. Wells Fargo continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit disputes through XXXX with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, Wells Fargo insists on reporting it incorrectly. I have called Wells Fargo 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS
Product: Credit card

Hello, XX/XX/23 Purchased a computer online from XXXX on XX/XX/XXXX this year.I sent it back, didn't like the charges. They signed that they received it. I have tracking information for this. 
I called Chase ( credit card ) after not seeing a refund on the credit statement.They told me that XXXX has 30 days to refund my money. After 30 days i didn't receive the money so i called them. ( Chase ) They told me to wait another 30 days. I have sent many secure emails to them. Also they told me they are busy?? About 2 weeks ago i called Chase Fraud line.They took all the information. At this point ( over 70 days ) i don't know who is at fault.Although XXXX sent me an email after i filed a claim that they returned the money to Chase. 
It involves over {$500.00}. 
Hope you can help me. 
XXXX XXXX