23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened an American Express Gold XXXX XXXX credit card in XX/XX/2019. It came with a XXXX bonus mile offer after I spent {$2000.00} within 3 months. On XX/XX/2019, I satisfied the spending requirement when my credit card reached {$2000.00}. Attached are my first two billing statements that prove this. I've called AmEx XXXX times and they told me they have 8-12 weeks to put the bonus miles in my XXXX account, but that they 1 ) saw that I had met the required {$2000.00} spend limit within 3months of my open account and 2 ) that my offer does include a XXXX XXXX XXXX bonus. They told me they have 12 weeks from XX/XX/XXXX to pay the miles. XX/XX/XXXX was exactly XXXX weeks from XX/XX/XXXX, so on XX/XX/XXXX I had an online chat with AmEx. I was told that the marketing department has to review the matter, that I can not speak to them since they do not speak to customers, and that it would take 6-8 weeks for the XXXX department to review this. They said that they'd put a request to review the matter on an expedited basis and that I could try calling back in 3-5 business days, but since the XX/XX/XXXX holiday was coming up, I'd probably not get any result. As of today, XX/XX/XXXX, I still haven't received any bonus XXXX from XXXX. It has now been more than 13 weeks since I met my {$2000.00} minimum spend requirement.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX New Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

I was forced to apply for and sign off on student loans that were not legal. Their tactics were incredibly aggressive going so far as to tell me " If you do n't sign this RIGHT NOW you ca n't go to school anymore. In fact, you ca n't even go back to class! You 'll have to leave right now from my office! '' Then I became XXXX and when I tried to have my loans discharged because of a XXXX, they denied it and said I still had to pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my account online and through certified mail with Experian for a collection called ( XXXX XXXX XXXX ) Everytime I get a response that it was verified without any proof of validation which I have requested multiple times..XXXX  and XXXX have resolved this issue but experian is refusing to follow the fair credit act and show me proof ... not once have I seen a verified signature of mine on any documents to prove I owe this debt.. this collection is hindering me from obtaining a loan and if it is my debt I require actual proof of signature. Some sort of signed document that shows its mine. Otherwise it needs to be removed immediately..
Product: Prepaid card

I XXXX XXXX XXXX XXXX. Purchases were made and the funds were pending per each transaction on the ship totaling {$4300.00}. At the end of the trip XXXX settled to bill with an additional {$4300.00}, creating a double charge on my account. XXXX stated that the bank will release the charges after 2-3 days, Cash App site states it will take 2-3 to drop off and has not done so. I have been charged {$8600.00} to date and it is not the settled bill.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

First Help Financial processed my monthly payment by automatic payment each month, and each month they would take the money from my account and then say they didnt receive it, or they would also state if I had something else set up on automatic payment each month on the same date then their system would automatically reject the payment. They would re- process the payment from my account 2-3 days later and always state they dont try to process the payment more than once but thats a lie it shows in my bank statements where they do and have done it every single month since Ive had the loan. Then my car was repossessed and they stated I missed one payment, that they took out of my account once again then rejected that payment, my car payment was sitting in my account the entire time but they stated that it was not there. Once I called them several times they then said I had missed two payments after I mentioned they could not repossess my car for one car payment. They then said I had to pay all the fees, I stated I couldnt, then they deferred a payment to the end of my loan increasing the total cost and told me to pay the one payment as well as the repossession fees because that was the only way I could have my vehicle back. Theyre a complete scam! They ARE PREDATORY LENDERS!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 

XXXX reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, Experian and XXXX XXXX. XXXX need to XXXX balance, remove negative remarks ( late and repossession ).
Product: Mortgage

I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to CAP ONE reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the accuracy of the credit information that Experian has reported on my credit report. Specifically, my account with XXXX ( Account XXXX XXXX ) was reported as being 60 days late on my Experian credit report, while other credit bureaus did not report any late payments on this account. 

I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that Experian investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed a copy of my credit report from XXXX and Experian that shows no late payments on my XXXX account. I also have attached any other evidence I have that demonstrates that this account was not 60 days late. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

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

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6300.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

i made numerous attempts to dispute and i requested inaccurate inquiries and outdated information on my credit file.i understand that the fcra protects consumers from abusive tactics to report information on credit reports. XXXX is in violation of numerous consumer law violations such as 15 usc 1681b, c, and G.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to create a dispute with XXXX about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
Product: Credit reporting or other personal consumer reports

Im requesting that the inquires below to be deleted off my account, because I DID NOT authorize these companies to run my credit. 
This is fraudulent. 

Ive attached photos below.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via mail.The response stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' The second letter was mailed on XX/XX/year>, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX Senior Vice President in charge of credit cards, XXXXXXXX XXXX  has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.
Product: Checking or savings account

XXXX/19  - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee As listed from the above transactions, my bank has been charging me fees over and over. Despite my calls and in person meetings to stop allowing overdraft on my account, the bank allows companies to access my account multiple times a month for the same transaction. 

The bank doesn't fund the transaction, it simply overdrafts my account to charge me an overdraft fee then returns it to charge me a transaction return fee. To finish it up, it charges me a maintenance fee for my balance being under there threshold. The bank allows companies to access my account at least 3 times a month for the same transaction and continuously keeps me in the whole while profiting from my inability to pay those fees they are laying on me. 

This is a shameful behavior that banks need to stop. For someone who studied finance, I know the need of banks and what they can do to enable a prosperous economy. But their current practices to obtain money in any methods possible from the least fortunate is shameful. I hope as we move forward there will be banks that help lift people out of poverty, not dig hole that will fortify the barriers already faced by those folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts sending letters demanding that transunion and XXXX  follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If transunion and XXXX  do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against XXXX  and transunion for multiple violations of the laws above. Thats {$1000.00} per violation
Product: Credit card or prepaid card

Ive had issues with PNC Bank since they acquired XXXX. I would have NEVER chosen them after the 8 month experience I have had. 

Since XXXX of XXXX, I have not been been able to log into my account via mobile or desktop to pay my bills. Finally I was able to just pay the balances through the phone which inconveniences me because I have to wait on the line. Moving forward to XXXX when I finally had access to log into my account I would be denied of adding external checking accounts and errors would appear on the desktop version ( mobile does not permit adding external accounts ). It was implied it would be easier if I would just create a checking account with them, in which I do not need. When I reported this issue with them they brought up to tier 3 support and told me that they would call me back. I never received a phone call or email in regards to the case. On my final decision to just continue to make payments via phone, I go ahead and make a phone call and pay with an automated option. I paid for the balance, the money was removed from my external checking account, and later then deposited back and then was sent a later that the payment did not go through. PNC has made it impossible to pay for credit card bills unless you have a checking account with them and that is predatory. I finally called again last Monday to pay the remaining balance and asked the agent to ensure that if I pay that balance it goes through first ( this is voice recorded on their end ) and proceed with cancelling my account. I was assured that would be the case. One week and one day later, no balance has been removed for my last payment, and the account is closed so I am unable to log in to see what is the hold up. I have worked so hard to raise my credit score over the years, and am mortified to see it go down due to PNCs negligence. Please help me, I do not want this to happen to anyone else. They do not value their customers, most especially anyone that came from XXXX.
Product: Credit card or prepaid card

I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me. I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.
Product: Debt collection

The debt popped up on my credit report I never open this account I explained this to all three credit bureaus and sent proof of address that I live in a different state and never lived at the addresses they have on file I sent pictures of my identification ss number everything I keep asking this collector to validate the information or send me proof that I opened this account and they havent sent me any documentation so by law I asked them to remove the collection they havent
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( 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
Product: Debt collection

I wasXX/XX/XXXX at the XXXX  XXXX  XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I did not open this credit card account. It is a direct result from Identity Theft and was opened fraudulently. I did not authorize anyone to use my personal information during my incarceration. The address listed is our family home that my grandmother left to us in which upon my release, I was paroled to this house. I have not been able to determine who used my identity at the time of my incarceration due to the multiple individuals residing at our family during the 16 years that I was XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXhas 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 any purpose.
Product: Credit reporting or other personal consumer reports

I had some fraud on my credit. Someone used my SSN to open a CashNetUSA installment loan. I was able to obtain my credit report and saw 34+ inquiries that i DID NOT authorize. Inquiries on my credit are all fraudulent and I would like for them to be removed. I have reached out to the companys and they wasnt able to provide any information.