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

I opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX  for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. 

In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX  have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.
Product: Payday loan

{$200.00} on a. {$400.00} which will make the total amount {$600.00} loan they told me thats the intrest and principle on the first payment i wanted to pay their principle and intrest off leaving remaing balance of XXXX the next month they want to place another XXXX agin which they saying the intrest anr princilple on the XXXX making it {$600.00} agin so they would get an extra {$400.00} out me they qoat some bougus principle and intrest amout after called them i try to resole this but they go around in circles like they program to say samething and i ask to speak to the manger its not a manger this loan company is called big picture loans i want to know if its legitimate business also they stated that i was a value custmer and get discount XXXX off did not get it also when i ask for corporate number they said was a email
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX summitting this CFPB complaint requesting to the Credit Reporting Agencies to please reinvestigate the erroneous accounts reporting on my Credit File. I am submitting this CFPB complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX  XXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/2021 - This is a formal request for an investigation of this account 's comments, account type, payment history, and account name. There is a possibility that this information XXXX be inaccurate. This must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX : {$22000.00} Date Opened : XX/XX/2021 - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP.
Product: Mortgage

NationStar dba Mr. Cooper took over our mortgage loan around XX/XX/XXXX. To date, we have received 1 statement in XXXX, 8 statements in XXXX, and 1 statement in XXXX. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar dba Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to our mortgage account. Since NationStar dba Mr. Cooper has taken over our mortgage loan, our monthly mortgage payment increased five times in XXXX and twice in XXXX. Notification of these mortgage increases are provided within two weeks of the next mortgage payment due date. We have 15 attachments ( totaling 91 pages ) of supporting documentation that indicates NationStar/Mr. Cooper has : 1 ) Mishandled monthly mortgage payments and unfairly increased our monthly payments 2 ) Mishandled our escrow account 3 ) Mishandled our private mortgage insurance 4 ) Violated property tax payments 5 ) Possible violation of RESPA 6 ) Violated the annual escrow analysis process 7 ) Possible violation of CFPA 8 ) Possible violation of HPA 9 ) Potentially failed to terminate our PMI automatically 10 ) Made false statements and provided false documents to federal agencies related to our mortgage loan 11 ) Threatened to sue us ( through their legal representative ) if we report information pertaining to the aforementioned issues to any state or federal entities.
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 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 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 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 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: Debt collection

Received a call from an unknown number and was informed that I would be served with legal papers on XX/XX/XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XX/XX/XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.
Product: Debt collection

Sunrise Collection Agency gave fraudulent debt information to XXXX which lowered my credit report considerably. Someone had opened an acct with XXXX in my name I have had a freeze on my credit report for the last year. No one should be allowed to open an acct in my name. And Sunrise Collection shouldn't be allowed to dump a collection that was opened fraudulently onto my credit report This is not the first time this has happened and it is frustrating that now I have to jump through hoops to get it removed from my credit report simply because either XXXX isn't doing their due diligence in opening a new acct by checking credit reports or Sunrise Collection Agency can just dump any debt onto XXXX without checking that it was a legitimate acct that was opened up after checking that person 's credit I disputed it with XXXX. I notified Sunrise and they asked me if I'd ever lived at an address that was obviously not a legit address. And if I'd ever had an email that was obviously not a legit email. They said I needed to fill out a fraud pit that they were going to send me and mail back Something needs to be done about XXXX and also Sunrise Collection Agency Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Debt was disputed online, Diversified Consultant sent me an inproper validation of debt with no signature or original contract.
Product: Debt collection

In regards to XXXX, I have never used their services. When I was in XXXX my neighbor worked for XXXX and we had our phones through her. She did have my info, so I'm hoping nothing negative came of this. She changed jobs when we moved from XXXX to NJ in XX/XX/2011. My address there was XXXX XXXX XXXX XXXX. XXXX NJ XXXX. 
Note I have never walked in a payment to a phone bill. I would like to see proof of an ID for purchase of these phones. They stated I walked in payments in ca to pay. We lived in NJ during that time. I believe we used XXXX XXXX in NJ for 9 mo before I moved to Sc then used XXXX ever since. I had terrible credit and no money in NJ so I was unable to get regular phone service after my friend ended our XXXX usage. 
Also since XXXX we always had XXXX phones, one for me and my XXXX kids. I have disputed this with XXXX before and nothing changed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background : I am a victim of Identity theft and I have on three occasions via certified mail sent XXXX XXXX XXXX XXXX a copy of my police report requesting them to delete the fraudulent data/negative trade line. However, they have refused to delete the fraudulent data moreover, they have not provided/produced verification of the account as mandated under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax has produced no documentation with my " Wet Ink Signature '' on it to validate that the account is being reported accurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX   who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
Product: Credit reporting or other personal consumer reports

Upon review of my XXXX and Equifax credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my XXXX report I request to have these fraudulent inquiries investigated and removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On my Equifax report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX ) on XXXX and XXXX
Product: Credit reporting

On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Product: Checking or savings account

CITI CLOSED MY ACCOUNT AND WON'T SAY WHY. 
THEY ALSO SAID THEY WILL SEND MY FUNDS IN 60 DAYS OR SO. I NEED THOSE FUNDS ASAP.
Product: Credit reporting, credit repair services, 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 XXXX, Account Name : XXXXXXXX XXXX XXXX, Account Name : Premier XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : US Dept of EDXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

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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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/XXXX2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$33.00}.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX California XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Balance : $ SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX   XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/2018 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX - Without Prejudice UCC 1-308 )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestiagation 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. 

The following items needs to be removed immediately : 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting

I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.
Product: Credit card or prepaid card

In XX/XX/XXXX, Discover request to make a verification and they required my driver 's license. But at that time I don't have a driver 's license. Therefore, I told them I can provide my passport, EAD card and other files that can prove my identity, yet they said they only accept driver 's license. It's weird because they didn't ask for it when I applied the card at the first time. I told them I won't be able to provide my driver 's license and even if I make an appointment at DMV to take the driving test, it will take several months to get the license. Then they just closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. Experian claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. XXXX and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " 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. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.
Product: Credit card or prepaid card

On XX/XX/2022 there was a Hard Credit Check. Someone fraudulently opened a Discover Card using my name, address, phone number, and I believe Social Security Number. I phoned Discover when I received notice of a change of address to a card I did not apply for, I had just received the card. They apparently cancelled the card after my phone call, and the situation was referred to their fraud department. I received I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022, after there was another Hard Credit Check.