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

I have been seeing promotions on social media ( Chase verified account on XXXX on XXXX ). The promotion is a special sign-up for 6 miles for every {$1.00} of United Airlines purchase, and 5 miles for every {$1.00} travel and gas stations purchase. The sign up deadline is XX/XX/2021. I tried signing up as it was a social media targeted content and even until now I am still seeing it show up. Every time I tried to sign up, it kept saying that I am not eligible - despite the only requirement it lists is that this promotion is good for United/Chase Explorer Card ( which I have and have been using for several years ). So I decided to call the call center ( Chase ) to try to sign up over the phone. The customer representatives told me that I am simply ineligible. There is no remedy, no solution, nothing. When I asked why some accounts are discriminated against ( I saw that some people online also couldn't sign up, yet they also saw the targeted marketing ) - they could not elaborate or disclose anything. When I asked what criteria they use to discriminate who gets the promotion and who does not, they couldn't say anything. Finally, I tried again to ask why I am not eligible despite having the right credit card and also being targeted online for this promotion, they did not have the answer. It seems that the criteria is unclear and this discriminatory practice is shady at best, or perhaps even corrupt as who knows maybe the criteria is based on favoritism? nepotism?
Product: Credit reporting or other personal consumer reports

Someone opened accounts in my name and ssn fraudulently. I need these removed from XXXX, Experian, and XXXX immediately. I have contacted these companies and they have failed to remove accounts. These accounts are hurting my XXXX XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt collector claimed I owed money to t bank. I said I was not aware of any accounts with that corporation. I need to see validation of debt. I need to see all of the transactions on account. I need to see a contract between the original creditor and myself. I need to know if there was any insurance claims on the debt or tax credits. If so how much? I also need to see you have permission or authorization to collect on this debt in the state of Florida. Is your company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX phone XXXX. This person asked me for my social security number. Thats a joke. This is a crime based on the false claims act. Even thought the debt is not not not mine the act states clearly that this debt belongs to the United States based on the 1933 bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are below have not been late. The information reported is incorrect. 
You 've paid off 100 % of your student loan amount. 

I have attached document Balance {$0.00} Highest Balance {$4200.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 10 yrs, 5 mos ) Term months Payment History Youve made 94 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks -- Times 30/60/90 days late XX/XX/XXXX Closed
Product: Debt collection

Walmart collection agency advise the balance over XXXX trying to make me pay with auto pay and threaten with court and being sued and not taking another method of payment or excepting my pay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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 card or prepaid card

In late XXXX of XXXX, I received a savings account promotional offer from Citibank while using the Citibank app. The offer was a bonus of XXXX XXXX XXXXXXXX XXXX  if I opened a Citi XXXX XXXX XXXX account and maintained a balance of {$10000.00}. Following the banks directions, I opened a Citi XXXX XXXX XXXX account maintaining a balance of {$10000.00} through the promotional period. 

In the summer of XXXX, when I had not received the bonus, I called Citibank and was told by a representative that the miles would be credited on XX/XX/XXXX based on the terms of the promotion. 

XX/XX/XXXX passed and I had not received the award. I called Citibank a few more times in XXXX and was told by customer service they would look into it. I was provided the following dispute number : XXXX. 

This past week a received a letter from Citibank that " promotional code '' used did not qualify for the XXXX XXXX XXXXXXXX XXXX bonus. 

Considering that I was directly solicited by the Citibank app and followed the banks directions to open the account, this explanation is nonsensical. 

To remedy the problem, Citibank should provide me the XXXX XXXX XXXX XXXX per their promotional offer.
Product: Debt collection

Rausch Sturm bought this account from XXXX XXXX XXXX, XXXX  - I  spoke to XXXX let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic
Product: Debt collection

I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I tried to deposit {$1000.00} USD from my bank account to Binance.US. There was no confirmation of a successful deposit ( either through email or Binance.US ), so I tried to make the same deposit again, and still no confirmation of a successful deposit. I check their support page on how to see if a deposit was successful using this link : https : XXXX. When I follow those instructions, my transaction history shows nothing for deposits, so from that I am under the assumption that no money was actually moved, and I decide to deactivate my Binance.US account because I decide I don't want to use that platform. 


On XX/XX/21 I see two pending transactions on my bank account : two {$1000.00} withdrawals from Binance.US, despite receiving no indication of a successful transaction ( described above ). 


On XX/XX/21 I see the two pending transactions are now posted, meaning that Binance.US indeed took my money without giving me any confirmation or indication of a successful transfer. Trying to get in touch with support to reactivate my account with them so I can attempt to withdraw the money and send it back to my bank and nothing so far. From reading other testimonials, it takes weeks or even months to even hear back from them.
Product: Bank account or service

Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.
Product: Debt collection

RBC , Inc has been attempting to collect a debt that is not mine. I have sent previous mail back. The debt is for XXXX XXXXXXXX XXXX  XXXX. I have never been a patient of or received services from XXXX XXXXXXXX XXXX XXXX. The amount owed is stated as {$160.00}. Their contact phone number is XXXX. I am attaching a copy of the latest debt collection attempt that was sent to me via mail.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at Experian and XXXX. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : 1-You report in Experian and XXXX the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXX do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account.

I am attaching evidence directly from the Experian report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX a federally protected consumer pursuant to the FDCPA is being harassed by United Collection Bureau Inc once again for payment of an alleged debt that I do not owe. This is the second time around that this company has harassed me about payment of an alleged debt, when they have no first hand knowledge of my relationship to the alleged debt. They also claim to be collecting an alleged debt bought from an alleged creditor who has failed to verify my obligation to any alleged debt pursuant to Title 15 U.S.Code 1692g. If the creditor in which United Collection Bureau Inc. bought the debt from could not verify my obligation to pay the alleged debt how is United Collection Bureau Inc. even assessing that I owe this alleged debt? 

What Bureau or government agency is United Collection Bureau Inc. associated with?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this wrong personal information to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Dear Sir, I have a Wells Fargo XXXX XXXX XXXX XXXX that I use on a daily basis. 
I always make my payment on time with my account, but during the pandemic, I am struggling to make my payment on time but I do my full payment with some extra. 

In my XXXX statement, I made a payment of XXXX and call well fargo to waive the late fee of XXXX they didn't, they refused to. 

In my movement statement wells fargo charge me another late fee of XXXX and I asked wells fargo to waive the late fee but they refused. 

I was late twice on my payment and my credit card charge me a late fee of {$74.00} that is two late fees of XXXX each. I reach out to the credit card and explain that I made my payment on time but due to the pandemic I was a day late with my payment and I changed some late fees. During this hard time, I strongly believe Wells Fargo should waive or pardoned the late fee, I call to explain my situation but they did wave my late fee. 

I made my payment but I just want to be credit for the late fee. 
I am not asking for suspense in my account or for forbearance. I just want the late fee to be a wave. I struggle but I pay my bills a day late and late fees should not be charged during this hard time. 

Thank you
Product: Consumer Loan

I purchased a vehicle thru XXXX ( XXXX XXXX XXXX ) Dealer license # XXXX on XXXX XXXX 2016 I was financing the vehicle thru A company called XXXX. On XXXX XXXX the vehicle was repossessed thru Ally financial thru the old owners name, I have all of my paperwork that was filled out at the time of purchase and my registration in my name with my tag I transferred. Ive made numerous calls to both Finance companies with no hope in sight. XXXX XXXX XXXX is no longer in business so I have no where else to turn
Product: Mortgage

I 've reached out to both SLS and XXXX regarding my XXXX mortgage that is now paid in full. They are reflecting on my credit report with the name Specialize Loan Servicing, but the address is for XXXX. This is hurting my credit score and resulting to my interest rates increasing and not qualifying for credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for faning to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts I disputed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its is XXXX to show any payment history on my credit report. Please have all of payment history information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have and have never had an account with XXXX. XXXX is now reporting this debt to XXXX XXXX. I do not own a home nor do I rent, and it is impossible for this bill to have been mine. Someone must have used my information. 

I am demanding that I be sent the original documentation that has the account information so that I may file a proper police report. 

The account was opened XX/XX/2017. 
Company : XXXX XXXX : {$1400.00}
Product: Credit reporting or other personal consumer reports

Out of the several dispute letters sent to Equifax they refuse and ignore my consumer rights, my privacy, triggered many consumer violations, reporting of income and personal accounting information. Equifax continues to report a bankruptcy that the United States Bankruptcy XXXX does not furnish to any credit bureaus and have yet to provide evidence of who the got it from.
Product: Checking or savings account

Bank authorize like 5 different transactions with amounts out of my budget in different states and cities at the same time without blocking or asking me ; the costumer if this transactions were real. Very clear that was a fraud transaction and they didnt do anything. Now Im asking to credit those balances back to my account because it was their fault and they are taking over a week to do it and I need my money now to be able to buy my family XXXX presents. This is so irresponsible from the bank and their fault for not secure this accounts the right way.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.
Product: Money transfer, virtual currency, or money service

My complaint is about 2 XXXX banks that are allowing international scammers to launder the proceeds of crime through the banks. My bank in the XXXX has informed me these banks are aware these people have used these accounts to steal other peoples money and yet still allowed this to happen to me. The banks in question are : 1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX California CA XXXX. 2 fraudulent transactions were processed through this bank. 

a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00} XXXX bank XXXX XXXX XXXX XXXX California CA XXXX. XXXX transaction through this bank. 

a ) XXXX XX/XX/2017 {$10000.00} I need this investigated please and require a refund in full from these banks for allowing illegal activity to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account with XXXX XXXX Credit Card states 30 days late with payment on my Trans Union and XXXX  credit report. Thats inaccurate. I have never been late or missed a payment. All my payments I have made to XXXX XXXX have been on time payments.