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

I signed up for a credit card with American Express in XXXX of 2021 based on a welcome offer of XXXX membership rewards points. I clicked the link in the email when signing up so there should not have been any issue in applying the offer. I received confirmation, approval, and the cards quickly. I quickly spent the required money to trigger the welcome offer but only received XXXX membership rewards points. I contacted customer service in early XXXX and advised the mistake. I was told that this was an easy fix and would be applied within 2 billing cycles. 2 billing cycles came and went and I followed up again. This time I was told that it was not addressed and they would need 10 additional days to review, they also requested that I upload documentation of the welcome offer, which I did immediately. 10 days passed and I reached out again, I was told that the issue was not resolved and I would need to wait an additional 2 billing cycles. I escalated the issue to a manager and said they are requesting a rush but it would take minimum 3-5 additional days but up to 2 billing cycles. They advised originally that closed the claim because there was no documentation despite never being asked for it. I got no notification of the same and was even told that amex does not have any obligation to respond to these types of inquiries. They even informed me they have. I told them that was unacceptable and I have paid all my required fees timely and they need to honor their end of the bargain. They advised there was nothing that they could do. Even after spending hours trying to get this issue resolved I have no faith that this issue will be handled. It is a simple bait and switch by a major global company, and it is extremely disappointing after being a customer for 10+ years
Product: Debt collection

They are contacting family and friends by phone and text message about a debt. Not only are they calling and emailing me they are providing the amount of this said debt to family and friends on voicemails and text messages.
Product: Debt collection

Got a call stating I owe XX/XX/XXXX from back in XX/XX/XXXX but debt is not listed on my report
Product: Credit reporting or other personal consumer reports

Recently, I conducted a review of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items. These findings indicate that your agency did not ensure the information was reported with 100 % accuracy. 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information included in consumer reports. Additionally, under 15 U.S. Code 1681i ( 5 ), the law mandates that : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the investigation results.

( ii ) Notify the furnisher of the information that the item has been deleted or modified.

If your agency can not provide verifiable proof of the accuracy of the items in question within 15 days from the completion of your investigation, you are legally obligated to remove or correct the accounts or information listed below. 
Please below account ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The stuff that is on there is under not my name, the dates of opened and closed accounts are inaccurate, the amounts are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion multiple letters ( affidavits ). The first letter was a Conditional Acceptance Letter. 
Even though I repeatedly wrote in the letter that it was NOT a dispute letter, they continued to treat the letter as a dispute letter. 
Not only did TransUnion not comply with my deadline, they also took longer than 30 days to investigate anyway! 
Mind you, dispute letters are to be investigated, Conditional Acceptance Letters are NOT. I provided the US Code that supported my demands but TransUnion completely ignored and did NOT acknowledge the US Code that I was enforcing over them. They need to be and should be abiding by the US Codes that governs them. They are violating the US Code that I provided, the FCRA and therefore they are violating my rights!
Product: Credit reporting or other personal consumer reports

I Have inquires on my credit profile that i did not authorize and I have to received anything from any of these companies the need to remove immediately. My complaint about me being a victim of identity theft and I have submitted proof of my report several times. This information is inaccurate and need to be removed from my credit report immediately. According to 15USC 1681i ( a ) 1 and 15USC1681i ( a ) 6 ( B ), 15USC1681i ( a ) 5 ( b ). 
I have called them and asked them to remove the inquires as well. 

The Inquires Are 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
Product: Vehicle loan or lease

Companies Involved : XXXX XXXX and PNC Bank, Underwriting Dealer Services I will try to be as succinct as possible, so please bear with me. 

I had purchased a used vehicle on XX/XX/2020 from XXXX XXXX in XXXX, Maryland. They told me they would be seeking financing through XXXX XXXX. The next day on XX/XX/XXXX I found out I was unemployed indefinitely and permanently due to Covid.  Since XX/XX/XXXX was a Sunday and both the dealership and XXXX XXXX were closed, I contacted XXXX  XXXX first thing in the morning on XX/XX/XXXX to let them know what happened. They told me I couldn't return the vehicle. I did contact XXXX XXXX the same day and they confirmed they did not have my application. 

With the knowledge that I no longer had an income, they side-stepped XXXX XXXX, the intended lender, and sent another application to PNC. One, I never gave them permission to seek financing with another lender ( it clearly states in the financing addendum that they need my agreement to do that. The addendum I will attach. ) PNC turned down the loan and then they then went to another lender, XXXX XXXX, submitted an application, again without my prior knowledge or permission, with the full and absolute knowledge I no longer had an income. XXXX XXXX   approved the application. 
I contacted XXXX XXXX  immediately upon receiving my letter of acceptance from them to let them know that the information they were probably given was false. They have been working with me on this and they did ask me to provide a copy of the application that was submitted to PNC by XXXX XXXX. 

Both PNC and XXXX have refused to send me a copy of the application. I am actually more interested to see what PNC got from XXXX. XXXX XXXX  has suspended any payments to assist me in resolving this issue and have been very cooperative and suggested I contact you. 

I last contacted PNC on XX/XX/XXXX and spoke to " XXXX '' in the underwriting department at PNC in XXXX. She went back and forth between me and the underwriter said that even though it's my financial information, they will not release it to me because their client is XXXX XXXX. When I her to put that policy in writing for me so I had something to go back to XXXX XXXX  with, she refused. She wouldn't even give me the name of the underwriter she spoke with, she wouldn't even give me her last name. Even the branch manager of my local PNC Bank, XXXX XXXX from XXXX XXXX, Maryland couldn't get them to budge on that. 

Ideally I would like to see the application that XXXX sent, but it's more important to see what PNC received. It is my belief and XXXX XXXX  's belief the information they sent PNC was different than what XXXX XXXX received, because obviously XXXX XXXX   would have turned it down too.
Product: Payday loan, title loan, or personal loan

and added a 30 day late to my credit profile in XXXX... .that supports that fact that I did not know of terms of any loan and I did not know of the first due date. I want this account updated to paid in full and the 30 day late to be removed. I paid this loan in full as soon as I learned that this was a loan and what the terms was.
Product: Mortgage

About 2.5 years ago we could not afford our mortgage payment. We requested a modification. They asked for a mountain of information and we provided it all. 2.5 years later we have not made a payment and they have not foreclosed. We are in fear any day we could be kicked out. We need a resolution. Either they foreclose or restructure our loan. My name is XXXX The lender is Select Portfolio Servicing. Our loan number is XXXX Their phone number is XXXX We
Product: Checking or savings account

I would like to file a complain against my bank, XXXX. 

On XXXX i contacted the bank and explained that an online travel agency with whom Ive made a reservation was trying to scam me. I reached out to them via phone as well as XXXX also emailed the hotel twice. Neither company could confirm my reservation. As this was my vacation, I did not want to take a chance and be told when I arrived in XXXX that they didnt have a reservation. 

I reached out to both the travel agency XXXX and they denied me my money. I reached out to XXXX and got the same response. I then reached out to the bank who never reached out to me. I followed up and spoke with a supervisor on XX/XX/25 and provided detailed information. And also emailed copies of my screenshots. I was then given a provisional refund which in the letter stated I could spend. A few weeks later I received a letter informing me they were denying my claim and would be taking the money out of my account. I contacted the bank just to be told their findings were permanent and I could not file an appeal. If banks are supposed to protect your assets up to $ XXXX and I provided them proof of whatd transpired, I feel the bank is being unfair. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my XXXX that is not my account
Product: Credit reporting or other personal consumer reports

Experian took all of my positive account and turned to negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a notification from Choice Recovery regarding a medical bill. And they have it on my credit report three times but it was the same visit. I don't believe they can show each procedure the doctor performed ; only the total amount due for the visit. I wasn't aware of this until I checked my credit report. I plan to pay this as soon as they agree to correct the reporting of it. I have not contacted anyone at Choice Recovery nor have anyone from Choice Recovery contacted me.
Product: Money transfer, virtual currency, or money service

I tried to send money via Moneygram online. This is the second time I've had issues with them. I received email with reference number, but transaction doesn't show up on my account. The receiver can not get the money without more info, was told they need to talk to me. But no one has called me. I called Moneygram,  and listened to the same recording several times to make sure none of the options fit my request. Couldn't get through to a person. The online chat wasn't available. The online help had not option to cancel, because the transaction didn't show up. I just want to cancel the transaction now. Thank you.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - NOT PROVIDED Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized - The following inquiry 1 of 2 was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered incorrect information on my credit report provided by Experian. The inaccurate information included wrong address, incorrect names and incorrect information. To address this, I sent dispute letters to Experian providing documentation and requesting the removal or correction of the inaccurate information and validation of debt ( s ). Despite my efforts, Experian failed to remove or accurately update the information on my credit report. In XXXX, I followed up by sending additional dispute letters providing supporting evidence to demonstrate the inaccuracies. However, the erroneous information remains on my credit report negatively affecting my credit score and financial standing. This failure to correct or investigate my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report and conduct timely investigations when consumers submit disputes. I am requesting immediate action to investigate and permanently remove the incorrect information from my credit report. I would appreciate written confirmation once the issue has been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain personal information in my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), I understand consumer reporting agencies may furnish consumer reports only under specific conditions, including obtaining the consumer 's written consent. 

I have NOT given written consent for Experian, or XXXX to furnish my information for XXXX XXXX XXXX account # XXXX. 

I request that you immediately investigate and remove any personal information that has been included in my credit report without my explicit written consent on this above account. 

Please confirm, in writing, that you have removed this unauthorized information and provide me with an updated copy of my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, I found some wrong details on my credit report. I immediately wrote to the credit bureaus to correct and have these items removed or updated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. I am writing to have the following items removed : XXXX : RISE XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 krS.C. 1681i ), 609 ( 15 U.S.C. $ 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DisputedInquiry : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, INC XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been working with Loancare on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. 

I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.