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

Bank of America offered {$100.00} as bonus to new customers who spends {$900.00} within 3 months after opening the credit card account. 
I opened my account on XX/XX/XXXX2016. I did not receive the promised bonus after spending over {$900.00} with in 3 months after opening the credit card account. 
I 've been to the BoA branch where I opened my credit card account numerous times regarding this issue, and BoA representative denied the existence of such offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.
Product: Student loan

I attended to XXXX college for six months.. XXXX made me take out a private loan called American student financial group ; direct lending program ... of XXXX, to found out tow months later when the school closed without previous notice, when I did my financial aid that I did n't needed it because I had a Pell grant available ... im filling this complaint because they lied to me ... but only that because it was a fraud ... since I took a loan supposedly I needed to pay my education.. got in debt payed for an 18 months program and I just received 6 months and they closed ... how I 'm going to pay for something I did n't received??? .. I really want this loan to be discharge and continue with a new clean begging after what career point did to us ...
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 168XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

The debt they are adding to my credit report is my mother 's account. I never agreed to this account the only way they are linking me to it is because I let her use my debit card to pay but I was not the account holder. I have never received any billing or notifications from them just one day the charges appeared on my credit. I have disputed the charges twice. It will get removed then a different credit collections company will add it back on my credit. First it was under Round two credit recovery that was removed and now it was readded back by XXXX. Also the date on it is incorrect the account she made with them is at least 5 years old or older and they are reporting it as if its new.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX been supplying XXXX XXXX, XXXX, Experian and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tidewater Motor Cred. I did not get another vehicle and would like these inquiries removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Today, XX/XX/23 I spent 2 hours on the phone with Chase rewards to try and change my XXXX tickets from XXXX to XXXX from XXXX to XXXX. I was escalated to two different customer service people, neither could help. In the first case, the representative said they found the dates that needed and could change the ticket and then said 10 minutes later that the flight was full. The second person told me that I could not change the tickets to the requested dates, nor could she tell me dates that would be possible, nor could she give me credit. 
When I asked to speak with someone who could help me the phone went mysteriously silent even thought I had, had no problem for the two hours of waiting before. The customer service rep called me back and told me I could call the original number again. I'm concerned I'll be starting from the beginning.
Product: Debt collection

I had disputed with Acima before, I am now requesting that they provide me with the contract and all statements so I can verify the amount that I allegedly owe.
Product: Checking or savings account

I got a check in my mail box and then I get call from the person who send me check and the person tell me to deposit the check I send when you see available money in your bank account send it to the vendor so you can get the work stuff so I did whatever she person tells me then I get call from the DCU Bank and said that your account balance is negative then they close my bank account and they did credit report for me so I went to the police station so they gave me information to report here
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Debt collection

I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.
Product: Money transfer, virtual currency, or money service

i had $XXXX added to my paypal account on monday XX/XX/17 and paypal refuses to release my money to my account after telling me everyday what i have to do to receive it which ive done everything and they still will not help me receive my money everyone ive talked to have lied to me just enough to get me off the phone or hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

On this auto loan, I wasn't late. I request that all past-due payments be changed to " PAID AS AGREED '' and that a DELETION of each late payment be done right away to stop future damage to my consumer credit reputation. 

Account Name : XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

I've reached out to XXXX, XXXX, and Experian pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.
Product: Credit reporting or other personal consumer reports

The school I went to over XXXX years ago closed and my student loans are still on my credit..I even trying to get them forgiven..still no answer
Product: Checking or savings account

Hi my name is XXXX XXXX. I have a business checking account with chase bank. I recently deposited some checks I received from the company I'm doing work for. I deposited checks the week before XX/XX/22. It had to clear on the XXXX but since I deposited other checks the day before the XXXX the bank froze my account for supposedly fraudulent activity. They still froze all my accounts even after I verifies everything with the bank and the company I work for. This was my only account for my business and all my money was in my account. Now I'm losing days I could of worked because I have no funds to pay for my materials, equipment or employees. Chase bank doesn't want to help me at all to release any funds.
Product: Credit card or prepaid card

I lost my card back in XXXX of 2019 i had with Venture- Capital One. I called the CC company to replace my card and have it sent to a different address, which they said they could do as long as they can verify my identity through various documents. 

After i sent them the documents they requested ( social security card, state license ), i was supposed to wait 1 - 2 weeks after which they were supposed to get back to me. When they contacted me again they told me they couldn't verify my identity and asked to resend documents and a bank statement that had my name and address on it. 

I waited a month and contacted them again and they told me they were busy and was still working on it. I waited a few more weeks and called them again and they asked me to send the same documents, this was in XXXX. 

I havent heard from Venture- capital one ever since- I dont know if they are still working on processing my replacement card or verifying my identity. It's getting very frustrating and time consuming, trying to get this resolved and Im continuing to make payments and paying interest on the card. 

This has gone on for too long and i would like to get this resolved, please help. 

Thank you, XXXX XXXX
Product: Debt collection

CreditFresh sold an account that allegedly belongs to me to XXXX XXXX XXXX XXXX. I received a call from an XXXX number about the account saying that my license was being suspended due a financial fraud affidavit related to this account. So, I immediately hung up, gave them a call and they spoke to me extremely poorly. Once again, the representative mentioned that I'd been charged with financial fraud and would be arrested the following business day and ordered to appear to provide a statement under oath. I repeatedly asked for additional information regarding the account and was hung up on and belittled three times by a paralegal. She gave me the name, XXXX XXXX ( XXXX XXXX XXXX XXXX, when I asked for her contact information. The other individual involved goes by the name, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This was a very stressful situation to deal, and I even communicated that I hadn't received any written correspondence prior to the phone call. The phone number for the debt collector is XXXX, and they also provided XXXX as an alternate. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I and my grandmother were both left voicemail by someone who I was later told is a " compliance officer ''. I called back at the number I was provided XXXX and was told that I owed an amount to XXXX XXXX that was deemed uncollectable and the company, who provided the name Summit, is filing legal claims for XXXX allegations. I asked how to cancel the claims and made an arrangement to pay {$100.00} from every paycheck. I asked them for documentation of the debt and the payment arrangement and they stated they can not provide anything until it is fully paid. Looking further into it I decided this was likely a scam and canceled the card. I reached out to the original creditor and determined that through a long line of resales the debt was eventually sold to the company trying to collect ( Summit ). I called them back and requested a validation notice and they stated they are not required to provide it since they are not a collector and are not collecting a debt but instead filing a legal suit. I asked for an address to send the dispute letter to and they also stated they can not provide an address. The issue I have is that they made a payment arrangement ( that billed to my card as XXXX  ) previously to cancel the suit, and since I canceled the card believing it to be a scam they are now stating they will be continuing the legal suit with an additional breach of contract. As the company refuses to provide any proof of the debt or any documentation of payment arrangements, I do not feel comfortable giving them money from each paycheck when I am already struggling to pay the bills.
Product: Debt collection

Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.

Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.

I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement. 
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX  to XXXX, XXXX, and XXXX  requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Debt collection

Received an alert on my credit report XX/XX/2021 for collections. I immediately paid {$31.00} to have all XXXX credit reports pulled. XXXX credit report showed a collection for {$1100.00} by Quality Asset Recovery , LLC. I was not familiar with the name of that company, so I started a dispute, which indicated the original creditor, XXXX XXXX XXXX, XXXX I've had XXXX  services completed by XXXX XXXX XXXX XXXX XXXX in XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was pre authorized ( took XXXX weeks ) prior to my visit. XXXX 's are covered service under the health insurance plan. Upon further investigation on XX/XX/2021, I reviewed my online Insurance EOB statments and found that XXXX XXXX XXXX never submitted a claim against my insurance. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have not received any calls, mail, email or any other form of correspondence from XXXX XXXX XXXX, XXXX. I have no documents to attach except a screen shot from my credit report.
Product: Checking or savings account

Capital One has still NOT deposited my work check from Thursday XX/XX/year>, usually I receive that pay on Wednesdays. I have already contacted Capital One Bank and they have not been helpful. I need my money to be deposited, this is not right. I have bills I need to take care of, is Capital One going to pay for my late fees?
Product: Credit card

This is a follow-up to my previous complaint. Barclay 's sent a replacement card to the one that was compromised but I don't know where they sent it as I have never received it. Someone has the card and is making purchases with it. The last XXXX of the card are XXXX. Found out about this card when I received Barclay 's response to my first complaint. Again, no one will speak to me, give me access to the account or allow for any payments unless I send a copy of my Driver 's license and Social Security Card front and back and my bank statement. Since I feel this is an inside job, I am not willing to send these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX  different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX  is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX  has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit card or prepaid card

Purchased 2 leather recliners from XXXX XXXX on XX/XX/XXXX. XXXX was supposed to be delivered in XXXX. Got several emails stated delivery date was pushed for ward several times. XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and cancelled order. She stated she had cancelled order. Furthermore, I contacted the credit card company Comenity Bank that issues XXXX XXXX Credit card and closed the account. and was assured that no charges would appear. However the charges of {$3500.00} appeared on a statement for XX/XX/XXXX for the order I had not only cancelled on XX/XX/XXXX but the ordered merchandise was never shipped and the order tracking number indicated order has never been shipped to my address. To further document my intent to cancel this order I also filled XXXX XXXX XXXX complaint ( case # XXXX XXXX on XX/XX/XXXX. I also closed the Comenity Bank XXXX XXXX credit card before the items were charged. I was assured when by Comenity Bank when I closed the account that no further charges would be allowed after the closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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

Upon reviewing my CFPB complaints # XXXX, XXXX, and XXXX, I discovered that you closed my complaint on XX/XX/XXXX. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than4 business days after the date of receipt.