23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by XXXXXXXX XXXX and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Credit card

In XXXX 2016, I applied on-line for a XXXX REWARDS Club offered by chase bank.I saw the advertisement on-line which had an offer of {$50.00} statement credit after first purchase plus XXXX points after spending {$1000.00} in first 3 months of opening card. After the card arrived, I called the cr. card co. to ask a question and the subject of the offers came up too. I was told that I would not get the {$50.00} cash! I told them why, the agent did not know why. Talked to a manager who never replied. Called several times, and I was told finally that I can get XXXX miles instead as an offer. I declined and insisted to get what the original ad had offered which enticed me to apply for the card. After much back and forth, I was asked to sent a copy of the ad which I had and fax it to them. 
In response I was told that someone has left a note on my account that " I was not eligible for the offer of {$50.00} ''. My last call to them was to put this in writing and explain exactly what they mean by this, how was I not eligible for their advertisement?. Well this was two weeks ago. I never got a letter of explanation and no one has contacted me. As a consumer, I hate bate and switch games. I applied on-line from the point ( page ) where the bonus offer was made and there was a button which said " apply here ''. so there was no other referral pages. no other links, but direct apply from the offer page. I want my {$50.00} and I want Chase be noted for their advertisement violation and this bate and switch game.
Product: Money transfer, virtual currency, or money service

I was selling an item on the app XXXX. An interested buyer contacted me. They gave me information which was a fake XXXX account. They proceeded to send me fake correspondence from XXXX indicating I needed to fund it as it was a business transaction/and that I needed to do this to establish a business account and I would be refunded the difference from the cost of the item I was selling. I sent XXXX payments totaling {$400.00}. After their third attempt to extort money from me I called XXXX. They told me the emails were Not from them and that there is no such thing as a business account. I then told the so called buyer and said they were scamming me. They denied it. Kept telling me we should follow their ( XXXX ) directions. I ended any more dialogue with them after that. 

XXXX will not intervene as that is their policy. They instructed me to take the issue to my financial institution XXXX XXXX XXXX. I filed a claim with them and they have denied it. 

XXXX XXXX, 2023 was when this occurred.
Product: Debt collection

this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.
Product: Debt collection

I contact the company requesting for more information about collection. I tried to call them on several occasion by XX/XX/XXXX just to ask for the reason of the debt and was very frustrating that they dint want to answer in order to avoid and provide me the information requested. Then I sent a letter with the template from CFPB ( XXXX ) on XX/XX/XXXX requesting for more information about the origin of the debt and they failed to provided no any answer. And last thing that make me file this complain is because I received a call from their agents on XX/XX/XXXX saying that they does not communicate by letter and hang me out intimidatingly. and As far I read on the website I have the right to interchange written communication with them. I just wan na know why the property charge me when I was paying monthly and why the method of this company involved only phone call to negotiate the debt leaving me with no right of spoke through letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Product: Mortgage

US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and was paying both of them. 
Now I am paying {$350.00} MORE than my regular mortgage payment PER MONTH. When I called the US Bank Home Mortgage to ask why, they told me it was because of all the insurance cancellations. They said there was a shortage of over {$4000.00} that needed to be paid off by me through my mortgage payments. I have never missed a payment nor have I ever not paid the amount in full. I paid Us Bank Home Mortgage what I owed " including the insurance money '' and because they did not pay the insurance company, I have this predicament. 

I do not feel that I should be held responsible for the mistakes of Us Bank Home Mortgage. I feel that per our agreement with them, they should be making regular payments to the insurance companies from my monthly payments so my insurance is not cancelled all the time. 
I live on a XXXX basis and I can not afford this. My mortgage was for {$140000.00} with est {$1100.00} a month mortgage payments. I now have to pay {$1500.00} a month for the next 12 months to pay off their mistake.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible.

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result.

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for and received a new XXXX XXXXXXXX XXXX  credit card offering no interest for 15 months on a balance transfer from another card company with a 4 per cent transfer fee. I called XXXX XXXX on XX/XX/2022 to transfer my 2,700 dollar Capital One credit card balance. After 10 days I began calling the Capital One auto info phone number to see if the {$2700.00} transfer payment had been made to my account. As of today the transfer payment has yet to be posted. I called my XXXX XXXX XXXX representative and she informed me today XX/XX/XXXX that their transfer payment to Capital One was made electronically on XX/XX/XXXX and cleared on the XXXX. I called Capital One this morning and spoke to a representative asking her to explain why a payment made on the XXXX of XXXX has yet to post to my card balance. She gave me no clear satisfactory answer and said that I needed to call XXXX XXXX XXXX!! In the meantime my new XXXX XXXX credit card has shown a posting of the 2,700 dollar transfer and their XXXX dollar transfer fee on the XXXX of XXXX and the creation of a statement on XX/XX/XXXX and a minimum payment due date in mid XXXX!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit card

On XX/XX/XXXX, I applied for a Discover credit card, and my application was approved with a {$3000.00} credit limit. Shortly after, on XX/XX/XXXX, my account was frozen due to a request for a three-month bank statement. However, as a recent immigrant who has been in the U.S. for only two months, it was impossible for me to provide the requested documents.

I submitted a two-month bank statement, notarized at my own expense, and regularly followed up with your team to confirm receipt. Weeks later, I was informed that this documentation was insufficient and that I must provide a full three-month statement by XX/XX/XXXX. I explained that a full statement would only be available in XXXX due to the timing of my account opening, but my situation was ignored. 

To comply, I waited until XX/XX/XXXX to provide the third statement, again notarized, only to be told it still did not meet your requirements. This is deeply frustrating, as your team is demanding documents that are impossible to provide given the timeline of my bank accounts creation. 

Despite offering alternative solutions, such as converting the account to a secured card or reducing the credit limit, I was informed that this was not an option. Additionally, I was warned that closing the account could negatively affect my credit historyan issue entirely caused by your unreasonable policies. 

I am requesting : 1. An immediate review of my case and a resolution that does not harm my credit score.

2. A reevaluation of your internal policies to prevent similar situations from occurring in the future.

If no resolution is reached, I intend to escalate this issue further.
Product: Credit card

BILT offers rewards. 

But they don't post the, Have to repeatedly and time-consumingly work with customer support who don't read your responses but post form/irrelevant responses. 

This time they can't even comprehend the problem hence can not post the rewards earned over a few months now.
Product: Bank account or service

On XXXX XXXX I opened a checking account at M & T Bank. This account was supposed to include a {$200.00} bonus at the end of 90 days with direct deposit. After XXXX emails and a phone call I was sent an email on XXXX that I would be receiving {$200.00} in my account on or before XXXX. I never received the bonus so I sent another email. On XXXX, XXXX, I received anther email that they were looking into the matter. They are clearly stalling and I suspect fraud. I am sick of this back and forth stall. I want this settled now.
Product: Credit reporting or other personal consumer reports

My account with ( creditor name ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report i do not work for XXXX XXXX. I work for XXXX.
Product: Debt collection

When I called XXXX XXXX XXXX and XXXX XXXX I was told that they had a hold on my account prior to being able to cash a check that was taken out of my paycheck. Mind you the letter I received prior was back dated to XX/XX/XXXX and then mailed out on the XXXX. Per the last conversation I had last week they were waiting for the approval and then were going to stop the Garnishment. Called today because they took money out of my check. When I called today they said I had to make XXXX payment in order to stop the garnishment when I was told that I had to make XXXX payment in order for it to be Relinquished. All the while they had another payment taken and refuses to refund it. Saying it will be added to my account. So they want me to pay the XXXX along with the money they got off the first check of this month and are going to keep this other check. When she finally said they sent a letter XX/XX/XXXX to my work on stopping the collection. Again asked for a letter stating what was said today and the lady refused to give me a letter on what was discussed today. I had to have a friend record what was said because of her refusing. My work had yet received the letter so I called back with a fax number for them to send to my work. I also was told that it XXXX and then was told it was XXXX. As of to date they have taken over XXXX dollars for this debt. When they started it was over XXXX. It now has become over XXXX for XXXX credit card debt. Being told that they mailed me back in XXXX  regarding this but never received any notifications or calls regarding this matter. The lady basically said well if you got your mail you wouldn't be here now. This company is rude and have lack of respect for what they do. They still continue to add interest on this debt. They absolutely refuse to send me any letters regarding this matter. Is this just another lie that they are trying to cover? Or are they going to back date another letter and mail it a week later like they did to me?
Product: Debt collection

I talked to a gentleman named XXXX on XX/XX/XXXX. I asked XXXX why they are reporting this bill on XXXX for XXXX dated XX/XX/XXXX. He said they dont have any bill for that date. Then I checked TransUnion and seen that they were reporting XXXX bills that were fake as well. I have made 3 different disputes since XXXX for TransUnion that these bills are fake. TransUnion was not and did not verify that these bills exist. Then I seen that professional collector corporation was now reporting on TransUnion and XXXX. All 14 fake bills on my account. Professional collector corporation is not a real business. If they were they wouldnt be reporting fake bills on my account. XXXX XXXX originally owned these bills until XX/XX/XXXX. Thats what the lady XXXX told me from XXXX  XXXX  XXXX XXXX XXXX. Professional collector corporation took them over at that time. I am going to show the original bills from associated XXXX. Which let me say this we are going back to court next month so I can show the judge all of the fraud going on. The bills that XXXX  XXXX said I owed were paid in full by my insurance company by a contractual adjustment/agreement. Also if you look at the bills you will see they used the same dates quite a few times but just changed what was due to them.
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 to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in remova 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Check the files to see the account and inquires that werent authorized by me I would like an investigation to be conducted on my report and for all fraudulent accounts & inquires to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/year> i made contact with Chime Bank in regards to missing funds and unauthorized transactions on my account with my own personal investigation I found XXXX transactions that I did not authorize I filed a complaint with the XXXX Police Department and I filed an dispute with Chime Bank its self! Within 1 business day Chime Bank closed my dispute and said they found nothing wrong! Chime has an automated process system that does not handle disputes correctly I reopen my dispute and requested information that they said would take 10 business days thats too long and I need my money back I work everyday to provide for my little family and I need a fair investigation! I requested that my funds be returned immediately back to my account in a written statement.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XXXX XXXX XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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