23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, Im writing this to hopefully get some help in resolving this issue. I opened up a personal line of credit with Key bank During the application I was told by the XXXX that they had a process in the bank with the line of credit that if I wanted to add a authorized user then I could and I would have to approve or deny it being used by the authorized user it sounded like a safe deal so I said yes.

Somehow key bank allowed the authorized user to have full access to my personal line of credit without being notified or approving and put him as head of my personal line of credit and me as a guarantor, I went to the local branch and the branch manager alerted me of it and agreed it was wrong. 

She opened up an escalation case within the bank in XXXX, I waited patiently for a response and received nothing for Over a month. I emailed the bank again 3 more times before I had to call the XXXX branch to get in touch with XXXX in XXXX. After speaking XXXX XXXX she tried to point the finger else where and implying someone else in the bank may have been in charge of the line of credit.

So now I have money spent on my line of credit by the authorized user for his own personal benefit ( personal truck, food trailers and who knows what else ) not in my name or the business name and not for the business as intended if needed or approved by myself.

This has been over three months of dealing with the local branch with no real resolution or response. Ive asked many times for the paperwork of who signed him as head of my line of credit. I have emails from the bank as proof from one of the local branch managers.

Any help would greatly appreciated. Someone needs to be held accountable.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 and XX/XX/2016 my account shows that it was 30 days past due two different Time. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.I have never been late on this account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card and more, accounts opened at XXXX XXXX account # XXXX with a bal. {$680.00}, XXXX XXXX  account # XXXX with a bal. {$0.00}, XXXX XXXX  account # XXXX with a bal. {$0.00}, and XXXX  XXXX account # XXXX with a bal. XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries like XXXX XXXX XXXX opened on 4XX/XX/year>, XXXX XXXX XXXX opened on XX/XX/year> , XXXX  and other fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me at all. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer
Product: Credit reporting

I have tried to reach out to TransUnion credit bureau since XXXX 2015 to inform them of the fraudulent and in accurate data they are reporting in the case/report number referenced above. To date it has been almost 6 months and I cant tell you what is going on .... all I know is that I have filed a identity case with the FTC and I have submitted a police report to them but I have not heard back and the XXXX accounts are still on my credit. 
This is a nightmare for me. The XXXX accounts that I do not recognize/that were not originated by me are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}
Product: Credit card

I have monthly and yearly subscription and some I do n't even remember. 
So to protect myself, I report a stolen credit card. I received the new card from Barclay Card and to be safe I moved my monthly subscription to XXXX XXXX. 
As now, I have a charge from XXXX that I did not authorized this charge and I called Barclay for the second time. They told me that as long that I did not cancel my subscription, the merchant will update with my new CCS ... and I can not get on hold with XXXX. 
The big issue that I have with Barclay card is if there is a dispute is between me and the merchant, not with Barclay Card. As with XXXX XXXX, I received notification asking if I recognize the transaction ... and if there is a dispute, merchant will get back with me ... but it is not the role of Barclay XXXX to mange the dispute with fees and what so ever. I called Barclay on XXXX/XXXX/16 and nothing was done. I just call now, spoke to a man ... we went over the issue and he put me on hold ... I call around XXXX Pacific Time and now 43 minutes later ... it rings busy and it hangs up. 
Please ... we need some kind of protection and stop Barclay Card with this unlawful Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows : XXXX XXXX XXXXXXXX - XXXX Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding fraudulent activity on my credit report that has not been adequately resolved. I believe that I am a victim of identity theft and I am seeking assistance from the consumer financial protection bureau to ensure this matter is properly addressed. I reported the theft of my identity to the federal trade commission, also I attach my identity theft affidavit. I am requesting that you investigate this matter thoroughly and take the necessary actions to ensure that the fraudulent items are removed or corrected on my credit report. This caused significant harm to my financial standing credibility.
Product: Debt collection

I received a call from " XXXX and XXXX '' this morning. Her name was XXXX XXXX, phone number XXXX XXXX XXXX XXXX. They say when I closed my Wells Fargo account in XX/XX/2010, they later realized I was overdrafted {$87.00}. She said the account was sold to XXXX. They say they have sent me paper documents to an address I haven't lived at for 6 years. Now, they are asking for {$390.00}. They called me at a number that I have had for 10 years, so I asked why I just now got a call. They say they tried mail first ( XXXX ). I asked when the original overdraft occurred and she said they have no record of that ( even though supposedly the accont was sold to them ). She gave me XXXX hours to contact her and set up payment or they would send it to court. Also, she mentioned Wells Fargo would sue for XXXX the amount ( even though supposedly the account was sold to XXXX ). I said I'd call her back. I called Consumer Financial Protection Bureu and they say i should get her license number, address, and ask for a letter to be sent to my current address. I called XXXX back at her direct line ( XXXX ) and she said she and no one else in the office had a licence number because they were " mediations ''. She also gave me a XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX TX. She then said " is that all '' and then hung up on me. This is very suspicious, and I fear I'm at risk for fraud. Please help, thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have now XXXX companies, XXXX claiming to be a legal processing center ( goes by XXXX XXXX XXXX ) and the other claiming to be a pre-trial intervention company ( whose phone number appeared on XXXX ), both stating that they will submit my " case '' unless I pay them " restitution '' or I will face charges including theft by deception and fraud, stating that I 've gone against federal banking regulations for payday loans that I have received many years ago. They state that I must pay immediately or the case is leaving their office, for my district court house, that same day. Both offices have stated that they do not accept checks, due to bad check issues, nor do they give out and physical address, for safety concerns, and will only mail me something upon completion of payments. I have also done an online chat with a legitimate law office about this matter, that attempted to call their phone numbers and says that they are most likely a scam. i am not sure what to do or how to verify that they are both definitely a scam as the XXXX legal processing company has also contacted my family members, discussing this matter and have threatened my mother, stating that her name is on these documents. I was only able to obtain a XXXX XXXX number from the XXXX company, as neither has a website or any contact information other than a phone number. I feel that I was also victimized by the XXXX company 2 years ago in a similar scam regarding this same payday loan, which I did pay them for fear of legal charges, again from many years ago. This new pre-trial intervention, which only has the name XXXX XXXX, also yelled at me and hung up on me, after me questioning their valid existence. I have received nothing in writing or in the mail from either, they stated only the court summons or arrest warrants would serve as documentation, also this loan does not appear on my credit report.
Product: Credit card or prepaid card

TD Bank Headquarters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. 
On XX/XX/XXXX I received a text about a fraudulent charge on my account, I instantly called TD to inquiry about the charge. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charge. The charges were XXXX transactions of {$200.00} for XXXX XXXX ( Total {$400.00} ). Agent informed me that charges would be investigated. 
On XX/XX/XXXX I received a letter that after reviewing and investigating available information and documentation that I was responsible for the charges. After receiving the letter I called TD bank. They informed me that I could appeal the decision and that I would be contacted with a decision. In XXXX, I called to follow-up because I had not received a call back and was informed that they were still reviewing and I should be patient that the case was still being reviewed. In XXXX, I called again and I received the same response to be patient. In XXXX, after still no response from anyone from TD, I called back and was informed that they never call any customer back with a decision and that my appeal was denied and I was responsible for the charges I had never made. I asked to speak to the appeals department or someone in a higher position. The agent informed me that there was no one who could assist me because they were the highest contact I could speak to via phone in regards to the matter and I needed to contact headquarters. I also, tried reaching out to the branch and they told me that there is nothing they could do in the matter, either. 
As you look at my history, I have been a customer for a long time and Ive never been late on a payment. I had a {$12000.00} credit limit and I have always shown to be responsible with my accounts. I had {$50000.00} in my checking account, which has now been closed and moved to XXXX due to the service received in this matter. After being a customer for so long, I felt I deserved the respect of a phone call about this situation but nothing. 
So as of right now I have these charges on my account that I have never made and they are accruing finance charges on them to. Honestly if I had made the charges I would have paid them because Ive made many charges on the card and as you could see in my history I have always paid. There would be no reason for me not to pay if I had made them. I would appreciate a call back on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. While I understand that there is a pandemic which can cause delays, I have not received anything from any of the bureaus since my first dispute on XX/XX/XXXX ; followed by 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANYONE to resolve anything. Data has also already been released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year ; it's a shame for people like me who are trying to better ourselves! The bureaus MUST be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit card

I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. 

The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. 

Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. 

By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. 

The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. 

XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX   Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.