23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I applied for the AMEX HILTON HONORS CARD, on XX/XX/, based on a Welcome Promo Bonus of XXXX Reward Points & a Free night stay! The offer showed up when I 's logged into my AMEX account. I 's instantly approved & received the physical card in the last wk. of XXXX, XXXX. Per XXXX XXXX XXXX XXXX XXXX to meet $ XXXX XXXX  in three months to qualify for the bonuses! However, I met the XXXX  of XXXX $ XXXX in the very first month of receiving the card! 
To this date, the PROMO BONUS of XXXX Reward points & a free night stay has not been posted to my account!! 
Repeated calls to AMEX were an exercise in futility! No one from AMEX CSR ever contacted me in whichever way/form! All contacts were instigated by me! 
What a pathetic display of XXXX from AMEX!! 
Furthermore, I 's denied any interaction with the Complaint Review Team! 
Only reason, I 's given for denial was a pop-up I 's supposed to get during the application process, alerting me of my ineligibilty! Of Course, I never received such an alert, otherwise, my common sense dictates, I would have aborted the application process!! 
Only reason I applied for the XXXX card was to get a head start with the Promo Bonus! 

Please do'nt hesitate to contact me if you need any further details/documentation! 

Your prompt resolution to my just & fair entitlement to the PROMO BONUS will be much appreciated! 

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

The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent Bank of America credit account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his XXXX report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with Bank of America and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the XXXX data breach back in XXXX, and in XXXX during the COVID 19 pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank of America and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts that reflected on my credit from a company Union Credit / XXXX, I wasn't informed It was owed until it was reflected on my credit file. I have insurance and as soon as I saw it appear I took care of it. I feel it is wrong to have such accounts listed on a consumer 's credit file without even knowing it was owed. Please help I am requesting it be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account XXXX bank XXXX and, XXXX XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : 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

TransUnion broke the law!!! They didnt get my consent to put items on my report and they did NOT complete a thorough investigation before putting these items on my report.
Product: Checking or savings account

My SoFi account has been restricted since XX/XX/year>. I opened this account after my husband closed my previous bank accounts, leaving me without access to my own funds. After opening the new account, a friend sent me money, but SoFi later informed me this action wasnt allowed - something I was unaware of at the time. 

Since the restriction, I have called and emailed SoFi Bank multiple times to resolve this issue. Each time, I am told to call again or wait without any clear answers, and they repeatedly state they can not give me a time frame for resolution. The latest update was that they would send me an email, yet they provided no timeline on when I might receive it. 

This ongoing lack of response and accountability is unacceptable. Ive seen similar complaints from other customers online, which raises concerns about the reliability of this company. SoFis handling of my account restriction has caused significant inconvenience, and I am seeking assistance to resolve this matter as soon as possible.
Product: Debt collection

Nationwide Recovery Service h as place an account in collection for the amount of {$270.00}. I have disputed this with  XXXX  and never received a response.   I calle d Nationwide Recovery Service at (   XXXX   XXXX   XXXX  they said they dont have the information proving this is my account or if I ever signed for it. Their disregards for my concerns were astonishing.
Product: Vehicle loan or lease

In XX/XX/XXXX I entered into a car loan through XXXX finance. I was quickly handed the paperwork to sign and given the keys. Even though I had subpar credit they are a company that practices predatory lending. Multiple lawsuits in states against them. 25 % Apr without a clear outline as to what exactly that means, as far as how much is applied to the principle. We have been paying on this car for over two years and little to no progress on what we owe. The car has XXXX miles now and only books for about XXXX even though its a XXXX and we still owe more than the original sale price of the car or right at the original sale price. Not to mention a XXXX dollar a month payment. I think their paperwork is vague and does not explain exactly what youre getting into. They are predatory lending and now in the wake of a pandemic I can either struggle to pay it, voluntarily surrender the vehicle, or file bankruptcy and ruin our credit. We can not sell or refinance due to loan to value ratio. This company has lost their XXXX  accreditation according to the site and they should be shut down. I understand there is already limited options for subpar borrowers but you will not prosper with this company they take complete advantage of you and your situation. Youre better off to pay cash for used vehicle or finance a very cheap used vehicle. I have a good income but this car costs as much as our home. Yes we knew the payment when we signed but what we did not know was the way they apply capital to the principle of the loan. Exeter financial needs to be stopped from taking advantage of consumers!
Product: Checking or savings account

On XX/XX/year> I noticed clear fraud on my account with Citizens Bank. 1 transaction from door dash for {$17.00} and change followed by 7 separate transactions from affirm ranging from XXXX dollars again in XXXX separate increments all on the same day XX/XX/XXXX. I filed a claim and had to fight for them to cancel my debit card alone. Never mind explain what charges were fraud and in the end was denied in my dispute. They told me verbally that it was because the card was physically used. I have my card and those transactions are online based transactions out of California. I use neither XXXX or XXXX. I filed an appeal and submitted proof that those transactions were not done by me. Again I was denied. Both times I was denied, I had to call in to find out. I asked for guidelines for their fraud block system and proof of the denial. They told me they would send it but never did and are now telling me I have no other options than to be out $ XXXX from no fraud block, protection, or communication from their end. Even with proof theyre hanging me out to dry.
Product: Credit reporting or other personal consumer reports

Credit score does not accurately reflect present or past accounts and payment history or inquiries.
Product: Credit reporting or other personal consumer reports

I took a car out with XXXX XXXX about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers. XXXX XXXX has not removed the voluntary repossession remark from my account and this keeps causing a negative impact on my credit for a long time now.
Product: Mortgage

I withdrew my request for a loan with Mason McDuffie to work with the Builder 's preferred lender, as this was in my best interest. Mason McDuffie asked me to remain with them and offered a full loan approval in 48 hours. After I declined, Mason McDuffie entered my loan into the FHA system as a denial. This created a significant impediment to my loan being transferred and approved by the Builder 's preferred lender.
Product: Mortgage

Ive had my mortgage for 19 years. Purchase before I was married ( 18 years ago ) chase refuses to accept my legal name change from XXXX to XXXX. I can not make my payments and have been trying to get them to refinance my mortgage to lower the payment since theres over XXXX in equity. They also refuse to take my deceased husband off the mortgage documents ( they even sent me modification documents with his name on it ) they have his death certificate, my documents showing my name change. Chase also has done nothing about the fraudulent activity on my mortgage that I wasnt made aware of until XXXX of XXXX
Product: Credit reporting or other personal consumer reports

The trans union llc and XXXX is requesting information from me that I can not supply at this time. I am trying to limit this but I am asked for information that is not legal in the manner that it is requested. I just received the information from department of travel because I can not legally use documents. However it is in process. I have to get notarized information to get legal documents to the two I have about a month to get it done and pay for it. So I am legally not able to get all the information requested by them. I again without repeating had a few id issues so I have to use a passport in place of the other documents and it will be done asap. Otherwise credit cards were opened in my name or used. I did not even know.
Product: Debt collection

I am writing to formally file a complaint against LVNV Funding for failing to adequately validate a debt after I requested specific information under my rights as a consumer. 

On XX/XX/24, I formally requested debt validation from LVNV Funding as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the following : 1. Their license to collect debt in my state.

2. The chain of custody for this alleged debt ( i.e., proof of transfer and ownership ).

3. The original purchase agreement In response, LVNV Funding provided me only with a summary of the account, which does not meet the requirements of debt validation as stipulated under federal law. 
FCRA and FDCPA Violations : LVNV Fundings response does not comply with the requirements of proper debt validation as per the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Under the FDCPA, debt collectors are required to provide proper validation of the debt, which includes sufficient evidence that they have the right to collect on the debt in question.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate or incomplete information reported to credit bureaus. By failing to properly validate the debt and continuing to report this debt to credit agencies, LVNV Funding is violating my rights under FCRA. 
I am formally requesting that : 1. LVNV Funding provide all requested documentation, including their license to collect in my state, chain of custody for the debt, and the original purchase agreement, as part of the debt validation process. 
2. This account be removed from my credit report if LVNV Funding fails to provide the required validation documentation.

3. Any further collection attempts be halted until they provide sufficient validation of this debt. 
Request for Action : I respectfully request that the CFPB take immediate action to investigate this matter. LVNV Funding has failed to meet its legal obligations under the FCRA and FDCPA, and I ask that this debt be deleted from my credit report due to their inability to validate it according to federal law. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I made the XX/XX/2021 payment, in full, a day early. For some reason PNC 's systems, following the acquisition of XXXX, can not process this transaction. PNC is refusing to fix the problem or accurately reflect the payment. Worse, PNS is engaging in harassing debt collection practices to collect the payment I have already made. Thus, PNC is effectively attempting to double collect the payment due in XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied loan for Home long term coustomer Retired senior. For income Property, personal loans
Product: Checking or savings account

i used my pnc bank debit card to make a purchase for XXXX at XXXX. the item i purchased stopped working about a week later. i went back to the store with my receipt and tried to return or exchange it. the store refused and said no returns on open electronics but the policy online says i have 30 days to return an item for an exchange or refund. i contacted pnc bank and was told i was protected for damaged or defective items as long as i can provide proof of purchase and date of purchase. so i filed a dispute and was told that it would take 45 to 90 days for a resolution and within ten days i would be issued a provisional credit pending the outcome of the review i called this morning to check on the status of my case and was told it was denied but refused a reason as to why. i was never able to provide documentation as to my side of the case. i feel that these actions violated my financial due process rights under XXXX XXXX laws and demand an inquiry of this matter and a reversal of this decision
Product: Debt collection

I have n't received a single communication regarding this debt, except that is showing in my XXXX XXXX account as In Collections. I have kept my mail forwarding address current and have had the same phone number and email addresses for years. I have never gotten notification of toys amount being due, even before it was sent to collections. I do n't even know when that happened, or what the debt is for, who is from, etc. All I know, from XXXX XXXX, is that {$1000.00} is in collections with " Debt Rec Sol. '' I looked them up online and tried calling twice. Today, I sent a letter AND an email requesting more information about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a medical bill.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX - 03/15 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I had a family member steal a lot of money from me. I could no longer pay my bills and I did not want to claim bankruptcy. I chose XXXX XXXX to help me with my bills. I owed XXXX XXXX {$2400.00} which I was paying {$130.00} a month on. XXXX XXXX attorneys made a settlement for me with XXXX to pay {$200.00} a month for 12 months to pay off the {$2400.00}. The last payment was made XXXX. XXXX refuses to update that this account to the credit agencies. Two agencies say I owe XXXX {$320.00} and another says I owe XXXX {$770.00}. I have paid them every penny I owed them and I have disputed with all 3 credit agencies, Experian, XXXX and XXXX. They all tell me XXXX has told them I owe them money. They refuse to fix this problem and I have asked for them to send me a letter stating that this is paid in full and they refuse to do so. I do not know how they can get away with these kind of practices. The only thing I have to show I have made these 12 payments is what I printed off the computer from XXXX XXXX. I hope you can help because I do not know what to do anymore. 
Thank you for any help.