23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention that it has been 30 days since I initially requested the verification and validation of certain accounts listed on my credit report. To date, I have not received any documents or communication from you or the respective creditor confirming the accuracy and legitimacy of these accounts. 

As per the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and respond to my request within 30 days of receipt. Failure to do so not only constitutes a violation of my rights but also places both you and the creditor at default under the FCRA. 

I would like to reiterate that the specified timeframe has expired without any documentation bearing my signature or any supporting evidence demonstrating the authenticity and late payment status of the mentioned accounts. Consequently, I demand the immediate removal of the following accounts from my credit report and an update of the late payments to reflect them as paid on time, as originally agreed upon. 

EXPERIAN THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX Account last four # XXXX XXXX XXXX  Account last four # XXXX XXXX XXXX XXXX  Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXX AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING  ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX  XXXX  Account last four # XXXX XXXX Account last four # XXXX XXXX XXXX XXXX Account last four XXXX XXXX XXXX Account last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX  XXXX/XXXX  Account last four # XXXX XXXX Account last four XXXX XXXX XXXX XXXX Account last four # XXXX XXXX XXXX  XXXX Account last four # XXXX XXXXXXXX  Account last four XXXX XXXX XXXX XXXX XXXX XXXX  Account last four # XXXX XXXX XXXX XXXX XXXX Account Last Four XXXX XXXX XXXX XXXX XXXX  Account Last four XXXX XXXX XXXX FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXX AS AGREED ON TIME XXXX XXXX Account Last four # : XXXX - PAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX
Product: Credit card or prepaid card

I purchased tickets through my chase rewards card with XXXX XXXX for 4 family members in the amount of {$1100.00}. The flight got cancelled due to the COVID-19 pandemic. I got a credit for the airfare through Chase with XXXX XXXX. Please see the file attached. Now, in order for me to obtain this credit a Chase representative told me that I have to first purchase new airline tickets with XXXX XXXX only with my own money for same or greater amount of credit. Which I did, see file attached in the amount of {$1.00}, XXXX. I was told that I will then get refunded. Now, I was denied the refund and didnt get the original credit! 

I was trying to resolve this case with multiple Chase representatives and spent more than 20 hours on the phone with them unsuccessfully. 

I am filing this complaint to get a full refund that should include the original credit in the amount of {$1100.00} plus the airfare that I paid in the amount of {$1200.00} for a total of {$2400.00}. Originally, they shouldve let me use my credit of {$1100.00} to buy my new tickets, and I would have to pay only the difference ( $ XXXX {$1100.00} ). However, I was told that to get my credit back, I had to first pay for the tickets out of pocket and then I would be refunded for everything, which is the total of {$2400.00}. If I am refunded ONLY the {$1100.00}, I will still be in debt of {$1200.00}, instead of {$130.00} ( the difference between the tickets ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Mortgage

I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.
Product: Credit card

I was booking a XXXX XXXX flight. During checkout, there's a prompt pitching the American Express XXXX XXXX credit card where it offered {$200.00} Statement Credit after making a XXXX purchase within 6 months. It also states " Know if you're approved with no impact to your credit score. If you're approved and accept this XXXX, your credit score may be impacted. '' It also states that I'll get an instant credit card number to use instantly on the current XXXX purchase. I applied, and was notified that I had been approved. It then ask me if I wanted to accept and receive the instant card number to use immediate. As I was already making a XXXX purchase, I accepted so I can use the card to satisfy the {$200.00} Statement Credit offer. However, after clicking accept, I got a prompt that there's a technical issue and that an instant account number can't be generated but fear not, they'll email it to me. Once I received the email ( almost instant ), I clicked the link to get my number. However, it led me to a screen stating " We're sorry, our systems are not responding right now. We apologize. We are unable to provide your Card Number at this time. Your physical Card will arrive by Tuesday, XX/XX/XXXX. '' They definitely have the account number created as the email should the last XXXX digits of the card number ( see attached screenshot ). I called American Express immediately and was told they can not provide over the phone and that I'll have to wait for the card. I realized then I had been bait and switched. I then asked then to null and void the application as if it never happened since I did not get my instant account number as they stated I would. They did not do so. I was fraudulently induced into applying for the credit card either by XXXX XXXX ( it was on their checkout screen ) or American Express ( they process the application and represented that I would get the instant number to use ). Most likely both XXXX and American Express conspired to fraudulently induce me into applying for the credit card and then conveniently have a server issue where an account number can't be generated so that 1 ) American Express would not have to make good on the {$200.00} credit card statement or 2 ) force me to make another XXXX purchase within 6 months in order to receive the credit statement.
Product: Money transfer, virtual currency, or money service

I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). The account holds assets currently worth over XXXX XXXX XXXX dollars. Not being able to trade or withdraw these assets is obviously a big problem. The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for XXXX years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX The XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and XXXX other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that XXXX years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my XXXX personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the XXXX credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX  XXXX  credit I have owned, activated used and paid off in full. XXXX. XXXX  XXXX  personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal capital XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX  XXXX reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online and try to submit a dispute my credit and information with XXXX, EQUAFAX, XXXX the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from XXXX  because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX  Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX XXXX, XX/XX/2022 I disputed a charge of medical bill from account XXXX TXXXX XXXX XXXX XXXXXXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Product: Credit card or prepaid card

I have a serious injury and while getting an XXXX  XXXX, my XXXX  was XXXX  causing me to have a XXXX. I had lost my job due to performance issues due to my injuries. I had managed to keep everything partially together until I had that XXXX. I called citi to inform them of this issue before I fell behind and they told me there was nothing they could do for me. I fell behind and they started harassing me with phone calls and no one was ever on the other line to answer. I managed to get some funds together and make a payment and called to correct these issues moving forward. I found out they had charged almost {$400.00} in fees for my {$500.00} initial balance before I feel behind. The fees had put me over my credit limit causing me to accrue more fees. 

When I got ahold of the agent and tried to address these issues. She quickly waived 1 fee without my permission and asserted that she could not do anything to help me. Citi doesn't have programs to help people through hardships, but she could get me to her manager who she assured me also could not do anything. After waiting on hold for at least 10 minutes. The phone finally rings through and I hear a click and am disconnected. Due to my injuries it has been difficult to breathe or talk, so I excert myself greatly during these interactions. 

I have recieved at least 4-7 calls a day everyday, even on Sundays since I made my last payment and tried to correct this while dealing with XXXX XXXX  problems. 

.
Product: Credit reporting or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, Harris and Harris Limited debt collector has called me multiple times regarding a debt but refuse to indicate who they are attempting to contact or what the debt it for. The company has also failed to provide any written notice regarding the debt.
Product: Credit card

Today ( XX/XX/year> ), I received a letter from Bank of America stating that they intend to charge off my account over a balance related to a faulty medical procedure. This charge was legally disputed, and I successfully obtained a refund through a XXXXXXXX XXXX XXXX XXXX which was delivered to me on XX/XX/year>. However, the refund was issued as a check instead of being applied directly to my credit card balance. 

Since the charge was ultimately refunded, the balance should no longer be considered valid for charge-off. I have provided proof of my refund, yet Bank of America is still proceeding with the charge-off, which is both unfair and inaccurate. 

I request that Bank of America remove the charge-off threat and update my account accordingly. Additionally, when I inquired about postponing the charge-off, I was informed by an agent that it would cost {$35.00} to delay it by one month. I find it unreasonable that I must pay to prevent an unjust charge-off, given that this balance was already refunded through legal action. 

I am requesting an official resolution to prevent this wrongful charge-off from impacting my credit. 

Regardless of whether I used the refund check to pay Bank of America directly, the balance itself was unfair and should not have existed. I legally disputed the charge and was refunded, proving that I should not have been held responsible for it. Therefore, the charge-off should not occur, as it would be inaccurate and unjust to penalize me for a disputed charge that was ultimately refunded.
Product: Checking or savings account

I lodged a complaint few days back to CFPB. The case # is XXXX. I opened a checking account online with {$1000.00} as initial deposit on XXXX XXXX and made XXXX direct deposits by XXXX. The bank had advertised that if I made XXXX direct deposits it will credit my account {$200.00}. The bank has not yet deposited the amount to my account. 
I filed a complaint through CFPB and the company responded that my account did n't have a promotion code attached to the account. The problem is at the bank 's end. Their site through which I opened the account stated, accounts opened online will have the code automatically attached. I have attached the screen shot as evidence. 

What I find frustrating is, I am not the only XXXX. The bank is trying to give excuses not to give the bonus. I believe it is a fraudulent business practice.
Product: Debt collection

On or around XX/XX/2022 I noticed a credit inquiry on my credit report from XXXX XXXX XXXX XXXX. I immediately called them and they said they hold a judgement against me on a debt I do not recognize. They said they had the right to seize {$17000.00} from bank accounts. I can not find any record of a judgement and the alleged credit card company, XXXX  XXXX XXXX, shows me " paid as agreed '' and in good standing all the way from present date to years before the alleged debt. I sent XXXX a Debt Validation Letter pursuant to the Fair Debt Collection Practices Act and received a USPS signed receipt for the letter from XXXX dated XX/XX/2022. I have had no response at all as of XX/XX/2022 and am highly concerned that they may try to collect the debt by seizing funds from my checking account.
Product: Debt collection

This company has never sent an itemized invoice to collect a payment. I've reached out to the company a few times no one returns my calls. I have never taken out any loan or dealt with this company for a financial reason.