23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a XXXX credit card with American Express in XX/XX/2023, and spent a large sum of money to fulfill the requirement to receive the welcome reward. 

In XXXX, I realized that I did not have the reward miles in my account, so I called in. They told me that I had already opened and immediately closed the same card immediately before I opened the card, and therefore was ineligible for the promotion. The card they claimed I opened and closed was opened for one minute and had zero spending. I did not do this. It clearly was some kind of error on their back end or with their website. Why on earth would I open and immediately close a card just to open it again one minute later? 

I also had spoken with a representative to confirm that I am selecting the correct card and that I am eligible for the promotion prior to opening the card. I requested they pull the recordings of the call as I was informed it was being recorded. 

They told me they will investigate and follow up in 10 business days. I never received a response. Today, I called in to follow up. They said the investigation concluded and they will not honor the welcome offer, but they refused to provide me any details of what they investigated. After a lot of prodding and being put on hold all morning, they said they will redo the investigation and I will hear back in 10 days. It reeks of Deja vu.
Product: Credit card or prepaid card

My old credit card ( ending in XXXX ) was set to expire in XX/XX/XXXX, so as per Capital One Bank rep their system auto-generated new cards and mailed them to my address on file on XX/XX/XXXX. Capital One said the letter was supposed to be delivered by XX/XX/XXXX ; however, I never received the letter and the new credit card that they sent. On XX/XX/XXXX, between XXXX and XXXX, I received numerous texts and calls from random numbers, but I didn't respond or click any links. I even had to turn off my phone because I'm in the middle of review for my exam and was getting distracted. At XXXX, I saw a notifications from Capital One detailing three large unauthorized transactions ( {$7000.00}, {$12000.00}, and {$7700.00} ) at XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX I immediately called Capital One to dispute the charges and lock my card. 

On XX/XX/XXXX, Capital One informed me that the dispute process was completed, and the charges were considered valid ( case # XXXX ). When I called to dispute their decision, they insisted that I needed a person of interest for reconsideration. The representative, XXXX ( XXXX : XXXX ), explained that the new card which I never received ( XXXX exp XX/XX/XXXX ) was activated using my phone number and used at XXXX XXXX XXXX XXXX. I contacted and visited XXXX XXXX XXXX XXXX  XXXX XXXX, but she said further details could only be provided to law enforcement. When I went to the police station, they told me they needed an affidavit letter from the bank stating the charges were fraudulent and suggested hiring a civil litigation lawyer. 

On XX/XX/XXXX, I found and retained XXXX XXXX XXXX to help with the dispute. Despite our efforts, Capital One refused to provide an affidavit letter, as their system showed the transactions were made using the new card ( which I never received ) and microchip activated with my phone number. My detailed XXXX phone records prove that I never called Capital One to activate a card during XXXX or on XX/XX/XXXX, but they still won't accept this as evidence of fraud. They said they can not compel the merchant to submit evidence of the transactions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX
Product: Debt collection

I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed Wells Fargo over XXXX and that if I did not agree to pay them, then Wells Fargo would sue me for triple the amount. They also said that I would be responsible for a XXXX court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX today that I had a hard inquiry on my TransUnion and XXXX from XXXX  XXXX XXXX! I have not applied for any credit from XXXX XXXX XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX is a fraudulent account on my credit fe that has been disputed and added to my identity theft report. Please remove.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

The lender claims there isnt any evidence that the school participated in misconduct I am attaching an email from the US Department of Education confirming my XXXX XXXX XXXX for XXXX XXXX XXXX have been forgiven due to the school being found guilty for misconduct
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Credit reporting or other personal consumer reports

ON or around XX/XX/year> I was contacted by who I believe to be XXXX XXXX XXXX XXXX ( XXXX ) to update my mortgage payments to ACH auto-payment center. I have paid my mortgage reqularly each month for the past 3 years only to recently learn that my home has actually been foreclosed and sold just a few weeks ago. I was never notified unil a gentleman came to my home to inform me that I needed to move do to the foreclosure sale. I am appealing this sale as the result of fraud and failure of notification. I just pulled my credit report and contacted the local Police Dept. I also found that someone opened up a fraudulent XXXX account on or around the same time may have been intercepting any call from XXXXXXXX XXXX XXXX XXXX Please deleted or remove XXXX XXXX # XXXX. I am a victim of Theft by Deception. I am filing a complaint with the CFPB as well as FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX Transunion has been reporting XXXXXXXX XXXX XXXX XXXX as a closed-derogatory auto loan under " Paid in Bankruptcy ''. It was brought to my attention this year XX/XX/XXXX as I 'm currently trying to buy a house. I submitted my 1st disputed online with Transunion requesting this account to be verified and that I have NEVER filed bankruptcy. Result came back unchanged and verified, but I did n't receive any proof of such investigation. I submitted a 2nd disputed for a thorough investigation due to this account reporting inaccurate information since again I have NEVER filed for bankruptcy. 30+ days later Transunion never re-investigated my request and yet continued to report the derogatory information. I sent my 3rd dispute in writing to both Transunion and XXXX XXXX XXXX XXXX requesting them to either verify the accuracy of this account under said " Bankruptcy '' or remove from my credit report. The result came back from Transunion advising that XXXX XXXX XXXX XXXX updated my report to now " Reaffirmation of debt, Paid Repossession ''. In order to have a reaffirmation agreement that 's followed behind a bankruptcy it must be a legally binding contract signed by myself, the creditor, and a judge! Since I 've NEVER filed bankruptcy how could I have a reaffirmation agreement in place with this furnisher. At this point Transunions and XXXX XXXX XXXX XXXX are breaking the law and violating my rights by continuing to deliberately report false information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to block fraudulent accounts even though they were once blocked!! I have sent in numerous supporting documents over the last several years showing these account are indeed fraudulent!!! Tha following accounts are fraud and Experian has once blocked them and now refuses to do anything!! 
1.XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX this account has not even been updated or anything reported on it since XX/XX/XXXX so im not sure why there not blocking it!! 

2.XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX
Product: Debt collection

I received several phone calls from Phoenix Financial Services claiming that I had an outstanding debt from XXXX XXXX XXXX in XXXX XXXX. The stated service was provided to me on XX/XX/year>. While I do believe that I visited this medical provider during the stated time, I never received a bill from any entity regarding the visit. Furthermore, I was in the XXXX at the time and had medical coverage through XXXX. I have had this company call me several times attempting to collect a debt for a service that was provided several years ago and was seemingly resolved or covered through XXXX. Phoenix Financial did not provide any proof of the debt, nor did they advise me of my right to refute or dispute the claim. They only continued to pressure me to pay the debt over the phone. This looks and smells like fraud. They mentioned that if I paid it, they wouldn't have to report it to the credit bureaus. This seems like a strong arm tactic, and a way to leverage a possible negative outcome to coerce individuals to pay a questionable, or non-existent debt. Please let me know what steps I need to take to prevent this " company '' from calling in the future or doing the same to other honest hardworking Americans. Thank you for any guidance/assistance you may provide regarding this.
Product: Vehicle loan or lease

On XX/XX/XXXX I Originally came into the establishment XXXXXXXX XXXX XXXXXXXX to buy a car straight cash purchase.. No where having any inner standing about the process if i didn.t have enough money to buy one. the transaction I thought since I put {$10000.00} on the first vehicle, and that transaction I didn't know my signature was forged on this contract and I've paying them. this fraud and identity theft. Now under the consumer law code 15 USC1662 no advertising down payments n installments, 15USC6802 I'm the creditor the placed me at 22.19 interest rate which is against under 12 CFR 202.9 truth in lending Act to also find out that by them violating the law code 15USC1605b. HJR192 73-10 all Bills are the governments obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not providing requested documents so that I can investigate & verify accounts are mine and they are reporting accurately. As of now they are reporting inaccurate information without providing me proof these are my accounts. I disputed directly with them and received no response to my certified letter. If they can't show actual proof they can't collect nor can they report. Per section 609 I have the right to request an actual agreement/contract bearing my name. XXXX is maliciously and purposely hurting my credit by reporting false information.
Product: Credit reporting or other personal consumer reports

Lendmark financial, closed account charge it off sold the debt, buy what me to still be account for the debt which they already been paid for the debt, which it mean they getting paid twice off this account and this account is been reporting on credit report for no reason when the debt is already been bought. {$16000.00} on XXXX XXXX under act law 15 u.s code 1681 I ask for them to remove the account off my credit report asap.
Product: Checking or savings account

These 4 payments were made XXXX XXXX by chase to the following in a fraud scam without my permission through XXXX whereas I dont know these as how? 

1 ) XXXX XXXX  XXXX {$990.00} 2 ) XXXX XXXX XXXX $ XXXX 3 ) XXXX XXXX XXXX $ XXXX 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX JPMorgan fictitious Nos. Look like created by XXXX in association with chase bank to defraud costumers Please investigate and refund this money and also advise me where to report this fraud to higher banking regulatory authorities.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally report a serious issue involving unauthorized hard inquiries on my credit reports with XXXX and Experian. These inquiries were made without my consent and constitute violations of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These actions violate the following laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( c ) : This section specifies permissible purposes for consumer reports. The unauthorized inquiries were made without my explicit consent, violating this provision.

15 U.S.C. 1681m : This section outlines requirements for users of consumer reports, including providing notice of adverse actions and maintaining accurate records. The unauthorized inquiries reflect non-compliance with these requirements.

2. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This act criminalizes the use of another persons identity with the intent to commit any unlawful activity. The unauthorized inquiries constitute fraudulent use of my identity.

As a victim of identity theft, I am deeply concerned about the potential damage to my credit score and financial standing. I demand that XXXX and Experian take immediate action to delete these unauthorized inquiries from my credit reports. Additionally, I request that both credit reporting agencies implement measures to prevent future unauthorized activity on my accounts. 

Please investigate this matter urgently and provide confirmation of the removal of these inquiries. I also seek guidance on further steps I should take to protect my identity and ensure the accuracy and security of my credit information. 

Thank you for your prompt attention to this critical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their investigation results verified this account but did not provide the procedure of description on how they verified this account. Under 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) it clearly states A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency I am requesting the description of the procedure used to verify this account. 

Account name : XXXX XXXX
Product: Credit card or prepaid card

I contacted Bank of America regarding the following charge that I don't recognize : XX/XX/2021 XXXX XXXX XXXX KS for {$690.00} XXXX sent them a letter over a month ago to : Mail billing inquiries to : Bank of America XXXX XXXX XXXX XXXX TX XXXX I have received no response at all