23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for a XXXX XXXX XXXX XXXX XXXX credit card with US Bank that had an enrollment bonus of XXXX points after making {$3500.00} in purchases. After completing this {$3500.00} spend, I only received a XXXX point bonus. I would like the full amount as advertised and agreed upon prior to my application. 

I confirmed the enrollment bonus with a rep on the phone after I received the physical card. 

There is a lower level card available from US Bank that only gives XXXX points, but I confirmed with the rep that my account was the XXXX Signature version, which should be awarded XXXX. 

I emailed on XXXX and XXXX, and called on XXXX, but this issue has not been resolved yet.
Product: Checking or savings account

Net spend bank PayPal prepaid closed my account s for I dont know what reason and I had a large amount of money I. My account ya and it has been go one to me via check upon the closure of my account however now when Im trying trash the check they do not authorize its anywhere and this is my money I have the right to it regardless the amount
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX/SUNBIT ] [ Account XXXX XXXX ]
Product: Credit card or prepaid card

I contacted American Express early in the pandemic because I had lost my job and asked if they had relief programs to assist me with my payments. I was told there were no Covid programs available several times. I later found out that wasnt true, and I called several times to file complaints for the misinformation. No one ever called me back or followed up on my complaints.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

To my shock, I discovered this evening that inaccurate accounts have suddenly appeared on my credit report, and I have no clue how this happened. I review my credit report regularly, but this time, discrepancies popped up out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the errors persisted. These accounts remained unchanged, and it's left me deeply concerned. Im requesting that the documents Ive submitted be carefully reviewed to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Debt collection

In XXXX XXXX I obtained health care from XXXX XXXX XXXX through the market place which ended in XXXX XXXX. During that time I received services at XXXX XXXX XXXX XXXX XXXX In XXXX and I was billed for those services without notice. At the time I had medical insurance. In XXXX XXXX I spoke with XXXX XXXX. She explained that my medical bill was n't covered because XXXX XXXX is an out of network provider for XXXX XXXX XXXX. When I receive the services, I had no knowledge of that. They accepted me as a patient and told me that my insurance would cover my services. 

XXXX XXXX XXXX has XXXX different plans. XXXX is covered through XXXX and the other is n't. This is a common case for XXXX. Instead of correcting the matter, they offered to give me a discount on the bill. If I knew they did n't accept my insurance, I would 've never come to them. 

There should 've been additional questions asked to determine the type of insurance that I had given that this happens frequently with this particular medical provider.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies on my credit report related to the XXXX XXXX auto loan account. Upon reviewing my credit report from XXXX, XXXX, and Equifax, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and have caused me undue harm. 

Inconsistent Reporting Across Credit Bureaus The XXXXXXXX XXXX account shows conflicting information about the Date of Last Activity across the XXXX credit bureaus : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These discrepancies indicate a failure to report accurate and consistent information, violating FCRA Section 607 ( b ), which mandates that credit bureaus must ensure maximum possible accuracy in reporting. 

Failure to Properly Update Disputed Accounts The XXXX XXXX  account is marked as " Dispute resolved; customer disagrees '' on XXXX and " Consumer disputes after resolution '' on Equifax. However, the dispute status is not accurately reflected across all bureaus.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), when an account is disputed, it must be clearly marked as disputed until the investigation is fully resolved. The failure to do so is a violation of this section. 

Incomplete Information Regarding Original Creditor The XXXX XXXX  account lacks essential details about the original creditor, which is a violation of FCRA Section 609 ( a ) ( 1 ). Consumers have the right to receive complete and transparent information, which is not reflected in the report. 

Improper Reporting of Payment History The last payment date on the XXXX XXXX  account is listed as XX/XX/XXXX on both XXXX and XXXX, yet the account remains open with balances reported well beyond that date. This suggests inaccurate reporting and failure to update the account properly, which violates FCRA Section 623 ( a ), requiring furnishers to report accurate information. 

Requested Resolution : Given these significant inaccuracies and violations of the FCRA, I request that the XXXX XXXX  account ( Account Number : XXXX ) be deleted from my credit report. These errors have harmed my creditworthiness, and I believe the account does not accurately reflect my credit history. 

I kindly ask that you investigate these issues and take immediate action to correct my credit report. Please notify me of the actions you take in response to this complaint. 

Thank you for your attention to this matter.
Product: Checking or savings account

The XXXX account was opened on XX/XX/2022 with the XXXX promotion code ( {$300.00} bonus ). I met the deposit requirement on XXXX but the bonus never appears. I was told by customer representative about the XXXX day waiting period. However, the account is closed now without any notice, and it is obvious that no bonus will be posted to a closed account. I would like to reinstate the account and get the bonus as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EQUIFAX CREDIT FILE PROBLEM IS THAT THEY KEEP ROLLING MY DISPUTE LONGER MORE AND MORE TIME OVER 30 DAYS FOR THE COMPANY XXXX XXXX WHO IS INACCURATLEY REPORTING INFORMATION OF AN ACCOUNT THAT IS REPORTING INACCURATE INFO. I PLACED A DISPUTE ON XX/XX/XXXX # XXXX EQUIFAX STATED XXXX XXXX SENT AN ELECT. REPLY STATING THIS ACCT IS MINE, NOT TRUE. ONXX/XX/XXXXI FILED A DISPUTE # XXXX W/EQUIFAX STATING XXXX   IS REPORTING INACCURATE INFO ON MY CREDIT FILE, I CALLED EQUIFAX REP SHE SAID THAT EQUIFAX IS WAITING ON A RETURN CALL FROM THE COMPANY XXXX XXXX REP STATED THAT ( REQS CAN BE MADE FOR A CALL ) IF A CALL IS NOT RECVD BY XX/XX/XXXXTHAT THIS ACCT WILL BE DELETED FROM MY CREDIT FILE. I FAXED A LETTER FROM XXXX  TO EQUIFAX CONF #  XXXX AND REP VERIFIED IT WAS RECVD ON XX/XX/XXXX. TODAY I WAS TOLD THAT I WOULD HAVE TO ALLOW AN ADDITIONAL 30 DAYS BECAUSE I MAILED THE SAME LETTER THAT I FAXED, THIS IS COMPLETELY FALSE. I NEVER MAILED ANYTHING AND WHY WOULD I NEED TO MAIL THE SAME LETTER THAT WAS FAXED WHICH I HAVE A COPY OF THE CONF PAGE OF THIS FAX.?, COMPLETLEY FALSE. THE LETTER VERIFIES THAT THE INFORMATION XXXX XXXX HAS DOES NOT MATCH MY NAME OR ADDRESS, ( THIS ACCOUNT SHOULD HAVE BEEN DELETED ), INSTEAD EQUIFAX HAS STATED THAT I HAVE ANOTHER EXISTING DISPUTE WITH THIS SAME COMPANY ENDING IN # XXXX SAID TO END ON XX/XX/XXXX ( CUSTOMER SVC REP XXXX STATED THAT WAS INITIATED BY EQUIFAX AS A FRAUD DISPUTE, AND I MADE XXXX AWARE THAT THIS DISPUTE WAS UNAUTHORIZED BY ME. AND FINAL, HOW CAN YOU HAVE ( 2 ) DISPUTES GOING AT THE SAME TIME? THEY ARE SUPPOSED TO BE 30 DAYS AT A TIME, INSTEAD EQUIFAX IS USING A STALL TACTIC TO KEEP ROLLING THIS DATE WITH THIS COMPANY BEYOND THE 30 DAYS THRESHOLD AND I HAVE NOT BEEN MADE AWARE OF THIS AND CERTANTLY DID NOT AUTHORIZE THIS FINAL DISPUTE # XXXX.
Product: Credit reporting or other personal consumer reports

This is follow up report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Is in violation due to lack of authorization as well as identity theft, sharing my information without my written consent. 
Law 15 U.S. code 1681b Section 809 ( a ) of the FDCPA Also Experian did not use the proper investigation before putting this company on my credit report which also breaks a law. I will sue if not deleted.
Product: Debt collection

I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. 

I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. 

In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. 


I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. 

Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/year> and noticed an account XXXX XXXX  that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXXXXXX XXXX late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. I'm now requesting you investigate this account and update these payments to never miss and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I initiated a dispute with equifax to update my account with XXXX XXXX XXXX XXXX It is showing as an installment loan but it actually is a revolving line of credit with a credit line limit of {$7500.00} Equifax refuses to speak directly with them to confirm this I have made the suggestion that we do a three way call with XXXX XXXX   to resolve this on XX/XX/XXXX I contacted XXXX XXXX from XXXX XXXX to confirm this
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran a credit check and a XXXX  loan was on my report. I have never taken, received or applied for a XXXX  loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to settle an old charge off on account # XXXX that had a balance of {$460.00}. 
I was referred to XXXX that is the company who is in charge of this account even though XXXX XXXX XXXX is the XXXX reporting to my credit files. 
I was able to get a hold of XXXX, and we agreed to settle the account for less than the full amount. I spoke with XXXX XXXX in regards to the account and the agreement was for me to pay 55 % of the balance owed and my payment was going to be for {$250.00}, the confirmation # given is XXXX. This amount was deducted from my bank card and they agreed to show on my credit report a balance of XXXX and a notation that the account has been settled for less than the full balance. On XXXX XXXX, 2016 I pulled a copy of my credit report and it shows that XXXX XXXX XXXX is now showing a balance of {$200.00} for the remaining that was not paid, and is supposed to be the forgiven amount. 
According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes found. 
I thank you in advance for upholding the federal laws as directed by FCRA and address this incorrect information being reported by XXXX XXXX XXXX. 
For a creditor not do this is a violation of the FCRA. 

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

XXXX XXXX XXXX  Disputed XX/XX/2023 XXXX XXXX said it's verified. By their own information they are a buyer o the debt. So therefore I don't owe XXXX. The original creditor is XXXX XXXX.
Product: Checking or savings account

I have been XXXX for the past 5 years, I opened my Flagstar checking account online and was able to manage it throu online banking, I used the Flagstar bank account to pay off my credit card. However on XXXX XXXX 2018 I made a payment which didnt go throu, I called Flagstar and asked  why they said they will process it again. And that was the last time I had access to my account. Apparently the phone payment overdrew my account and they closed it so I had no access to it online anymore. I received zero emails. I have been offered a XXXX credit card limit and dont use it. However I arrived in the states a month ago and I was checking my credit score to see that its 100 points down due to a collection of XXXX dollars from Flagstar. I called them they asked me to call the collection agency which I did and I disputed it so they told me to call Flagstar from now on. I did contact Flagstar, the first representative hang up the line, the second one was a banker so decided this matter is only resolvable from the credit card department which didnt. She even blamed me for not reporting a valid address and said they have mailed me letters. My communication was set to electronic, they arent allowed to contact me via mail. Secondly, they processed the payment and apparently both payments went throu therefore they overdrew the account. Thirdly, they have zero communication between their departments otherwise someone should have mentioned the overdraft fee or at least was able to resolve my matter. I am a victim of their system. I offered to settle the amount if they remove it from my credit report.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Checking or savings account

GOLDEN 1 CREDIT UNION ; in the XXXX system Date of Closure : XX/XX/XXXX  XXXXACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX  this is not right and need to be removed
Product: Debt collection

Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about CREDIT COLLECTION SERVICES. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding some inaccurate items reporting on my credit file with Equifax. Equifax responded to my complaint on XX/XX/XXXX, but I do not believe that they have performed a proper investigation into the matter.
Product: Student loan

I got federal loans and pell grants but I was denied access to these unless I gave them info I didnt have. Equaled to about XXXX a semester so now Im in debt of XXXX because they wouldnt let me collect it to pay of semester bill now I cant register, get my transcript, or receive these loans because of them.