23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an American Express Platinum card. After my card was received in the mail, I called to activate it once I received the card in the mail on XX/XX/XXXX, and when I called, I asked if the {$550.00} annual fee was still waived for XXXX XXXX military members and opened it under an XXXX XXXX account. I was told by the employee that yes, the fee is still waived, and that if it wasnt waived by the time the fee was due, then it would later be reimbursed as credit to my account. I have since been in contact with them 10+ times about getting this resolved and have gotten everything from unnecessary transfers to we have never done this even though I know dozens of other military members who have taken advantage of this. Just today, I called again and had them review the phone call where they told me it would be reimbursed, and after that, they told me all they could do was apologize for the miscommunication. 

American Express stole almost 3 months of my take home pay by charging me for this, and I never would have signed up/paid the fee without canceling if they hadnt advertised to me on the phone that they would waive/reimburse the fee. I was informed today that two days before opening my account with them, the policy was changed, yet weeks later, I was still told over the phone that it would be reimbursed. I asked for clarification because I expected to be told the truth, not lied to so that they could capitalize at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

back on 2017 I came from third world country ( XXXX ) with a limited XXXX, I was buying a refrigerator. that a target employee approached to me and ask me if i want that TARGET RED Card which is giving us 5 % discount in every purchases. because I never used credit card before I thought it is some sort of coupon, but any way my wife without telling me she has used Target red card several times, later on with i find out to solve this issue with target i have visited TargeXXXX customer service a few times but no body help me. they provided me a number that i was calling and with on the line for over an hour and nobody respond. 

please kindly consideration about this mistake, people with no experience it is really hard to understand how debit and credit work, Thanks,
Product: Debt collection

received a call from an unidentified collector, she askd my name, and addy, I adv her was me but diff address, asked her if she can see the notes, she aske dme if I was gon na pay my debt, I asked her to give me the mini Miranda, and let me know the call is recorded, she responded that she does n't have to give tome because I interrupted her, I asked for a manager I got XXXX XXXX he aske dme for last 4 of ssi, dob and addy, 1st and last name then mini Miranda, he did it correct, I explaine dot him what happened his tone was not very pleasant, mad eme feel as if I was wrong somehow for wanting my rights as a consumer, he gave me the addy and phone # but said he does n't know the lady name who broke the fdcpa, I asked fo rmy loan to be forgivin in exchange for the breach of my privacy and rights he chuckled and sd he will let someone know, this is my 3rd time speak with thme last 2 times I asked for a vod and disputed till I got proof never got it.
Product: Debt collection

received a letter in the mail from Convergent Outsourcing , Inc. for a reduced balance amount. Creditor listed as XXXX XXXX XXXX, XXXX. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called Convergent and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.
Product: Payday loan, title loan, or personal loan

I got approved for a line of credit with this company XXXX XXXX /XXXX XXXX for {$3600.00}, this was to bea used for a XXXX XXXX   procedure with a company call XXXX, they wanted me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I was not happy with, I told the company I was not happy wit the procedure, I'veyou contacted XXXX XXXX/XXXX XXXX about this problem a few times, and has disputed the charges, I should not have to pay forthe a product that I'm not useing, but their still billing me, and if I don't pay it, it will hurt my good credit rating, please help
Product: Mortgage

I spoke to loan officer XXXX XXXX at Benchmark Mortgage XXXX XXXX XXXX XXXX, XXXX / XXXX ID XXXX ) on the phone on XX/XX/2023 to request a prequalification letter to determine how much of a home loan I can take out for a new home. I told him I only wanted to do a soft pull inquiry that would not impact my credit score or stay on my credit report history and he assured me that the credit pull would not impact my credit score and will only be there for a few months. Then he asked me to complete an application online to be able to provide the pre-qualification letter. After I completed and submitted the application, I found out the next day from XXXX and XXXX that it was a hard inquiry pull and reached out to request for XXXX to retract/reverse that hard pull inquiry since I did not agree to it. He argued with me saying it was not a hard inquiry pull and then later said they can not remove it because I provided my authorization when I submitted the application. However I was tricked into believing the application would be a soft pull inquiry and did not intend or agree to the hard pull inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SERVICES  : The XXXX reported as past due is an error on Wells Fargo part. All excess liability was paid for by my GAP insurance coverage purchased from Wells Fargo, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX  for a total of XXXX and as a revolving account to XXXX, with a past due payment of XXXX. ( 2 ) Wells Fargo misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.
Product: Credit reporting or other personal consumer reports

My bank account and social security number were leaked by Idaho XXXX XXXX during a data breach on Monday XX/XX/XXXX by hacker group Sieged Security. Due to the breach, I had to request a new checking account through XXXX ( who I bank with ). In the meantime, Discover tried to request my autopay for my credit card on the old account. Of course, this bounced and I was charged a fee which was never waived. I called Discover about this and gave them the new account information and explained the situation but they did not do anything about the fee. At the same time, we setup AutoPay again using my new account. 62 days have passed since that time and now I was charged a late fee and my account was reported delinquent to the credit bureaus even though the previous again assured me that AutoPay with my new account details were setup. I have now made the necessary payment to bring my account up to date, however, I am requesting assistance from the CFPB to have Discover remove the derogatory remark since it was due to their employee 's failure to properly re-enable AutoPay following my extenuating circumstances from the data breach.
Product: Money transfer, virtual currency, or money service

on XX/XX/2018 Moneygram stated that my online account had been locked out due to activity. I was told by moneygram that i should visit a moneygram location personally and i could send money. Unfortunately even attempting to send money at a physical location i was unable to send money ( local XXXX ) to a family member. 

I would like moneygram to unlock my account so i can continue to send money to XXXX family and friends.
Product: Credit card or prepaid card

Company Name : First National Bank of Omaha XXXX. XXXX XXXX, NE XXXX. 

Cr.Card Account No : XXXX. 

Complaint : I have been trying to log in on line to see my Account position and pay the amount. I can not log in instead of my ID and password I have been using for the past 60 months. As for paper statement, some time I receive it by mail, some time not. 

Solution I Want : I wanbeent easy access on line to my subject credit card Account as well as monthly paper statement by secure mail. 

XXXX XXXX XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ask XXXX XXXX XXXX to dispute information on credit report due to recession hardships which prevent my payment with loss of job. Send them more request till XX/XX/XXXX and on XX/XX/XXXX letter of debt validation with charge off for {$7700.00} on XX/XX/XXXX received. XXXX XXXX also ask me send back possible details to support dispute. On XX/XX/XXXX I ask them to provide me 1099- C form pursuit to section 1681 I ( a ) ( 2 ) from for the actual account XXXX charge off due to my financial hardship. Again on XX/XX/XXXX I had sent another letter asking 1099-C. But didn't receive any letter from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report and noticed some inaccuracies on my report. According to the FCRA law 15 U.S.C 1681, credit agencies are obligated to report fair and accurate information on a consumer report. Experian is in violation of this law because they are reporting that I am 60 days late XXXX and XX/XX/2023, which is impossible. How can one be 60 days late two months in a row? I have already contacted Experian and the Creditors of this inaccuracy and have yet to receive any communication on this violation.
Product: Credit reporting

I have tried for many years to get my credit reports from XXXX. Tried online and also phone and paper. No reports. Once, XXXX did send a report, and I got some XXXX information through an insurance company. Those exceptions aside, my requests go nowhere. Our banks other financial institutions all advise checking credit reports frequently, at least annually. But XXXX 's failure to provide that service and, more important, failure to provide any reason for NOT providing it, is most frustrating. 
. 
We ( wife and I ) believe we have excellent credit, probably close to XXXX. We do n't need more credit, but we do need to check our credit reports for accuracy. That 's all we want. 
. 
I spent this evening trying unsuccessfully to fill out XXXX 's Contact form. Again and again, I composed a detailed and clear statement and request for help, only to be dropped out of the form with several ( XXXX ) different errors that did n't happen. No help there. 
. 
I want to know what the problem is. Is there something wrong with our accounts? Do we need to be concerned about possible identity theft? 

I did not fill out another request in recent years. It 's clear what will happen : nothing. 

Can you help? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX From XXXX XXXX to XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check wrote to myself from my XXXX business account into my Navy Federal Credit Union personal account via ATM machine on XXXX XXXX. in XXXX  XXXX, XXXX On the line I wrote out {$7000.00} but, in the box, I wrote {$1700.00}. XXXX flagged the check and asked me to call them once I was made aware of the error XXXX advised that they go by what is written on the line so they will go ahead and process the check and release the funds. I spoke to NFCU and they advised the check would be on hold for 5 business days to ensure the funds cleared. After 5 days they advised the check was on a permanent hold until XXXX provided a letter stating the check is indeed valid. I reached out to XXXX via phone and in person and was told they do not write letters that the funds were release to NFCU on XX/XX/XXXX so they are not sure why they are holding the funds, but they can do a bank-to-bank verification NFCU would just need to reach out to them. NFCU stated they would reach out, but it would take 30 days that I would need to call back in 2 business days to see if the case had been assigned to an officer. I called NFCU back 3 business days later they advised they not sure why I was told that, but the check is on a permanent hold until XXXX provides the letter and they would not be reaching out to XXXX. I am filing a complaint because I have provided everything to prove I am the sole owner of the business account and bank account. XXXX has made the funds available and NFCU is asking me to provide a letter the issuing bank is stating they do not provide so I don't understand why they are still holding the funds and are stating the funds are on a permanent hold. I don't understand how a bank can hold your funds and tell you they are on a permanent hold to not be released but not send the money back to the issuing bank. They will not offer any help each time I call the next CSR agent tells me to do something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached docs that show this " company '' blatantly disregarding my consumer rights and trying to collect on a debt that DO NOT OWE!! 1
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Letter was sent to BOA by certified mail on XXXX XXXX, 2023 and was received on XX/XX/2023. 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Travel Rewards Visa Signature XXXX BOA Credit Card XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Bank Of America XXXX Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Bank Of America ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

Furthermore I called on XXXX XXXX, 2023 at XXXX EST and spoke to Customer rep XXXXXXXX  and Manager XXXX. I was told by them that they don't deal with this and to get an attorney that he would know where to send this inquiry. They also said to go ahead and file a report if I wanted to.
Product: Debt collection

To Whom It May Concern, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( XXXX ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( XXXX ) Communicating with a consumer regarding a debt by post card. 
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by [ Credit Reporting Agency Name ] regarding inaccurate information included in my credit report. Despite my attempts to resolve these issues directly with the credit reporting agency, the inaccuracies remain uncorrected, and I am seeking your assistance in enforcing my rights under the law.

Details of the Dispute of Inaccurate Information : Incorrect Information on File : Name : Listed in the letter sent to the credit agency Address : Listed in the attached letter sent Phone Number : None to provide Correct Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  Phone Number : noting Violations of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Reasonable Procedures to Assure Accuracy The credit reporting agency has failed to ensure the maximum possible accuracy of the information on my credit file, as required under this section.

15 U.S.C. 1681i ( a ) : Dispute Resolution After I submitted a formal dispute regarding these inaccuracies, the agency did not adequately investigate or correct the errors within the mandated 30-day period.

15 U.S.C. 1681n and 1681o : Civil Liability for Noncompliance The agencys failure to address these inaccuracies constitutes either w
illful noncompliance or negligence under these sections.

Actions Requested : Require the credit reporting agency to fully investigate and correct the inaccurate information on my credit report.

Hold the credit reporting agency accountable for its violations under the FCRA. 
Provide me with a resolution to ensure these issues do not recur in the future. 
I have attached the following documents to support my complaint : A copy of my dispute letter sent to the credit reporting agency.

My credit report with the disputed information highlighted.

Proof of my correct information, such as government-issued ID and proof of address. 
Thank you for your attention to this matter. Please let me know if additional information is required to facilitate the resolution of this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of dispute letter to the credit reporting agency Evidence of correspondence Highlighted copy of credit report Proof of identity and address