23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email offer from American Express to receive XXXX Membership Rewards points if I opened a savings account and deposited {$25000.00} by XX/XX/2020 and held those funds in your account through XX/XX/2020. The advertisement encouraged me to be looking ahead to the future and the timing was great because I was going to be buying my first home soon and needed to keep the down payment money in cash somewhere until then. 

The terms and conditions stated that the XXXX Membership Rewards points would be deposited within 8 to 12 weeks after the conditions of the offer were met. After twelve weeks, I called American Express National Bank who told me that some of the Membership Rewards points had not posted for folks due to a computer error and to give them a few more weeks. 

When I called back on XX/XX/XXXX, a representative from American Express National Bank stated that it appeared that I had met all of the terms and conditions and that she did not know why I hadn't received my points, but that American Express Bank was not the group that actually posted Membership Rewards points to accounts. She stated she would " open a case. '' Now, nearly a month later, it seems clear that American Express National Bank has insufficient policies and procedures to actually pay out this bonus.

Since American Express failed to pay out the bonus in the timeframe provided, this appears to me to be a violation of 12 CFR 1030.8 and and deceptive act or practice under the Unfair, Deceptive, or Abusive Act or Practices ( UDAAP ) framework.
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear XXXX XXXX/EQUIFAX I am writing to dispute the XXXX XXXX account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX. 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2024 I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX  Account Number : ( XXXX ) Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Copies of Driver License, social security, proof of inaccurate and letter to equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and immediate repair due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a rental company did a credit check and sent me a copy via email. There were item ( s ) on that report that was 18 years old! From XX/XX/XXXX. I also saw items from over 7 years old. I logged on to websites Equifax and XXXX. I disputed incorrect personal information, but there was no option to have old information removed.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. The information on my credit report is inaccurate. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance is a violation of 15 USC 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 XXXX XXXX and pursue litigation
Product: Mortgage

My husband and I purchased this home that we currently live in almost 40 years ago. The original loan amount was {$64000.00}. Over the years and mortgage was transferred over to Ocwen without our consent. In the past 2 1/2 years alone my husband and I have paid over {$30000.00} in mortgage payments. However our total balance went from a XXXX XXXX XXXX to XXXX XXXX $ after {$30000.00} in mortgage payments. We have been home almost 40 years and the mortgage lender stated that our home will still not be paid off for another 20 years.During this entire process my husband and I have made the mortgage payment every month principal balance and interest rate and the Total amount owed continues to grow and snowball out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Please see the attached documents for reference.
Product: Debt collection

The collection company is trying to collect on different debts from me that are past the statue of limitations. So they are no longer legally allowed to collect them. They are also reporting negative information to my credit reports and that needs to stop. How can you try to collect on debts that are time barred and no longer collectable under the law?
Product: Prepaid card

Amex giftcard not accept anywhere, tried XXXX, XXXX, adding to XXXX, etc Being told security code is missing or declined by bank despite putting in right information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Complaint Summary : I am filing this complaint against Citibank , N.A . and Home Depot for the unlawful closure of my credit account, falsely representing that I requested the account be closed, and discriminatory practices in connection with my request for assistance due to illness.

Details of the Complaint : Account Closure Without Authorization : At no point did I request the closure of my credit account with Citibank or Home Depot. I specifically contacted Citibank to request a payment arrangement due to financial hardship caused by illness. 
Instead of assisting me, Citibank unilaterally closed the account and falsely reported that I requested the closure. 
Retaliation and Discriminatory Treatment : Citibank has targeted me by reducing credit limits across multiple cards it manages in my name, as well as closing additional accounts. These actions have caused significant harm to my credit score. 
The pattern of conduct appears to disproportionately target XXXX XXXX consumers, including myself, in violation of federal laws prohibiting racial discrimination and retaliation. 
Failure to Provide Reasonable Assistance : I am a consumer experiencing documented financial hardship due to medical issues, yet Citibank failed to provide reasonable assistance. Their refusal to engage in good-faith efforts for a payment plan has compounded my financial difficulties. 
Instead of accommodating my request, Citibank retaliated by closing the accounts and reducing credit limits, which has had a devastating impact on my credit score and financial stability. 
Legal Violations : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : Citibank 's actions appear to reflect racial bias and discrimination against me as an XXXX XXXX  consumer. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting a false closure request constitutes inaccurate reporting, which has damaged my creditworthiness. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : Citibank and Home Depot engaged in unfair and abusive practices by failing to offer reasonable payment arrangements while closing accounts without authorization.

Retaliation : Citibanks refusal to assist and subsequent closure of my accounts in response to my hardship and request for accommodations amounts to retaliation. 
Requested Relief :
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE ATTACHMENTS WHERE THE VERY XXXX AND CORRUPT EXPERIAN WORKED WITH SBA TO DENY THE MUCH NEEDED DISASTER RELIEF LOAN I WAS INITIALLY APPROVED FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim and survivor of XXXX XXXX XXXX XXXX. 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for Experian compliance management and their employees that will handle disputes from XXXX XXXX 

XXXX mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.
Product: Credit card or prepaid card

I have the XXXX XXXX card. Last week, there was a transaction for {$78.00}. I was notified right away about the transaction. I called XXXX support and they told me to call the gas station in Florida where this was made ( I live in Arizona ). I called the gas station, they said they can not cancel it because it was online, blah blah blah and told me to call XXXXXXXX XXXX. I called XXXX back. Got transferred a couple times, and then was told the transaction was cancelled and I would be getting my money back within 24 hours. Of course, I called back today, and now they are saying it was made with XXXX XXXX, and it is my fault and they will not give me my money back. But here is the biggest issue. I JUST got that card like a week before this. I NEVER EVER used this card, I never put the number ANYWHERE. I was saving the money on that card for my trip coming up, I was leaving it there and not touching it. The ONLY way someone could have gotten this card number was from XXXX employees. I can not be the only one that has had this issue. I need my money back this is an AWFUL business practice and something needs to be done!! I called them right away, so they had plenty of time to cancel this order before the thief even had time to get the items they ordered. XXXX XXXX and XXXX XXXX XXXX  should be fined for doing this to people!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I entered into an auto loan agreement with XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for 71 months. However, XXXX has been incorrectly reporting my monthly payment as {$1000.00}, which is a clear violation of my contract. 

Additionally, XXXX falsely reported a late payment on my credit report, despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no valid reason for any increased charges or lender-placed insurance fees. 

Actions Taken : I disputed the incorrect information with XXXX, requesting correction. 
XXXX wrongfully verified the false payment amount and late payment instead of correcting the issue. 
I submitted a dispute with credit bureaus ( XXXX, TransUnion, XXXX ), but XXXX continued to verify the incorrect information. 
I sent a formal demand letter to XXXX requesting immediate correction, but no resolution was provided. 
Why This is a Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus.

California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 : Requires accurate and truthful credit reporting.

California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788 : Prohibits deceptive practices in loan servicing.

I am requesting immediate investigation and correction. If not resolved, I will consider further legal action for damages caused by this incorrect reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I look at my credit report and saw these collection and charge off accounts on my credit report that are not mine. if these accounts are open or closed I want them off my report immediately. The accounts are XXXX XXXX AND XXXX XXXX  And XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, And all the Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on Equifax closed accounts as accurate and on time. Equifax is reporting closed accounts as open and on time. 
The accounts are reported daily as on-time. The accounts have no status and no remarks. These accounts need to be deleted. The closed accounts are keeping my fico and vantage score from improving and increasing due to the fraudulent scams to keep the closed accounts as open when they are not. By keeping the accounts XXXX XXXX can continue to be paid. This practice of reporting these closed accounts does not allow any financial opportunity for future credit or financial assistance
Product: Credit card

I have a Macy 's Amex that I paid the balance {$840.00} on XX/XX/XXXX which is what I thought was paying my balance in full. Apparently the balance was XXXX and I missed the XXXX. I am sure it is due to my XXXX XXXX and obviously I would have paid the XXXX. 
I received a call on XX/XX/XXXX saying I was late on my payment. I told them the balance was XXXX. They said I owed XXXX. I has no statement- I had not receive one so they helped me log into my account, I didn't even have log in information. The email they had for me was and old work email and I haven't worked there in five years. No paper bills. The XXXX was the late fee for my XXXX. I asked for a supervisor. She couldn't get one on the phone but did ask about a late reporting because I was freaking out. I paid the balance in full and was told that she asked the supv and because it wasn't 60 days it wouldn't be reported. It is being reported and it has GREATLY affected my credit scores. I run a small business and this negative reporting is affecting my business. Creditors are lowering my available credit. I called on XX/XX/XXXX when I found out about the 30 day reporting. I was told they would look into in and get back to me in 13 days. It has been 13 days and I have not been notified- except for a new bill with a {$2.00} balance for interest on a XXXX balance. This is predatory and unfair practices. If they can call me for {$12.00} then whey didn't ' they call me when the account was late before 30 days and the balance was XXXX. I just received another notice of a creditor lowering my available credit. Please help me. XXXX Thank you so much.
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting a closed account to third parties without my authorization, In accordance with the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, as the consumer, may have given said company whether written, verbal, or non-verbalper 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE US BANK ACCOUNT IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I'VE CONTACTED THE CREDITOR NUMEROUS TIMES AND THE CREDIT REPORTING AGENCIES FOR CONSTANTLY REPORTING THIS INACCURATE INFORMATION. 

THE LAST CORRESPONDENCE WITH THE CREDIT REPORTING AGENCIES RESULTING IN THIS INFORMATION BEING UNVERIFIABLE. 

THIS ACCOUNT WAS CLOSED AND CHARGED-OFF, THIS BALANCE HAS BEEN CLAIMED ON THE CREDITORS ' TAXES. THIS ACCOUNT CAN NOT BE REPORTED AS IT IS NOW TAXABLE INCOME WITH A 1099 ISSUED.

THESE COMPANIES HAVE THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Product: Money transfer, virtual currency, or money service

I applied for the lawsuit against cashapp they shut down my account because they said I was XXXX and showed no proof..they tell me wait 30 days for they decision and never here from themXXXX
Product: Debt collection

I have been trying to get this resolved for quite some time. This is my 3rd complaint regarding the reporting practices of XXXX. I have disclosed files showing where XXXX stated they have removed the collection. But after checking my credit report once again, I now show medicredit reporting twice for the same collection that was paid!