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

I have a XXXX Merrill + Signature card by Bank of America.

One of their benefits for using the card is to get to Level + for some specific benefits. I did reach that goal and I want my {$200.00} travel credit for the airline fees. However, the number they have provided is only for Bank of America and no one can reach Merrill Lynch for the reward benefits. On their website XXXX on page XXXX and XXXX it clearly states the benefit of {$200.00}. Also the phone number to reach XXXX. This number goes to Bank of America which can not access the Merrill Lynch benefits. I have credit from last year that has not been resolved ( {$200.00} ) and this year for additional ( {$200.00} ). I would like a total of {$400.00} credited to my account. Below is right out their catalog. 

Travel Credit Up to {$200.00} Travel Credit After you qualify and enroll, your travel credit can be used toward air incidental purchases across multiple airlines. And your credit is automatically applied to your card statement no need to call for reimbursement. 
A wide range of travel purchases can be offset by your travel credit, such as : Seat upgrades In-flight meals and beverages In-flight Wi-Fi Airport lounge day passes Your travel credit can also offset travel expenses, such as : Baggage fees Flight change and cancellation fees Expedited check-in fees Global Entry application fee To check your current spend status, call your financial advisor To enroll in the Travel Credit once you qualify, call the Rewards and Benefit Center at XXXX and say Card Benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts 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 child support Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri Div Child XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
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 US BANK consolidated inquiry date XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identity theft and inaccurate information. After reviewing my credit reported by Experian I noticed fraudulent accounts being reported, both the rental screening and consumer reports for XXXX XXXX XXXX XXXX XXXX, Under 18 USC 1028A aggravated identity theft is a crime. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against Experian. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX ( XXXX XXXX ). Please remove these items. 
Congress inacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s- 2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ) ; see FTC Report Number : XXXX See Report ID : XXXX ( XXXX attached images )
Product: Debt collection

Received 2 calls from numbers XXXX and XXXX .. from Critical Resolution Collection. Spoke to XXXX XXXX. Also called back and started speaking to a man that sounded just like the other person I had just spoke to. He claimed he was not him, but didnt give me his name. Said XXXX XXXX was out to lunch to call back in 30 minutes. But I called back in 15, a XXXX XXXX answered the phone, transferred me to XXXX XXXX .. they were the same person!! 
Anyways, he was trying to collect a debt from XXXX for XXXX XXXX that had not been paid on since XX/XX/XXXX .. the last I recall it was around $ 400-500. He claimed it was over {$1900.00}. opened XX/XX/XXXX, last paid XX/XX/XXXX. I know that is not true because I have a current, clear account account with them since XX/XX/XXXX. He stated my last name from my marriage from 30 yrs ago that was not used to open that account. Then he used my last name, once, that was used to open the account, but continued to use my previous name. However, I had been separated since XX/XX/XXXX, remarried on XX/XX/XXXX. I had also moved 5 different times to 3 different states. He did not even have my current address and NO I didnt provide it. I also did not correct him with my name. He said they are going to sue me, garnish my wages. When I said Im on SS XXXX, he then said they would freeze my accounts. Please beware of this company and these people!! I have researched and contacted people. I contacted the Small Claims Courthouse he said they were going to use to sue me, they have never heard of them. The other people I contacted said they are Scammers. BEWARE!! Protect yourself. DO NOT give out any personal information!!
Product: Credit reporting

Credit Bureaus fails to tell me how they verified inaccuate info
Product: Student loan

I was sent several emails by your admission staff that outlining the classes in which I would be required to take in order to obtain my XXXX degree from XXXX. After several adjustments to regarding acceptance of my credits from other colleges, the school and I finally came to an agreement on my courses and I signed a promissory note to attend your school. After I signed the promissory note and started in my first class, I was informed by your staff representative, that XXXX was not going to honor our agreement of courses and that I would be required to take twice as many classes as I had agreed to take in order to obtain my degree. I immediately withdrew from my classes and informed your staff that I would not be attending XXXX for breach of contract and oral agreement and fraudulent misrepresentation. 

Again, I stress I have every email outlining these events. I demanded, at that time, not to be billed and that my student loans not be charged. XXXX has not only billed me for their Breach of Contract and Fraudulent Misrepresentation, but I now have student loan debt, and this has been reported on my credit report damaging and defaming my credit.
Product: Checking or savings account

On XX/XX/ Robinhood locked my account and and said I need to verify transactions so I told them the debit card I was using was a new account that I opened up when I got my taxes so I couldnt show a bank statement so they said they cant do nothing and is holding my {$1100.00} so I waited a month showed them the statement then they told me I have to verify some other transactions about a bank account statement from a couple months ago they said because of two cancelled deposit. I told them im not sure what bank that is because I have a couple bank accounts and old ones too. So they said they cant help me and my money is still stuck and Im not sure what to do.all that money in Robinhood account came from my job works money which gets deposited into Robinhood and my tax money which I showed proof. My money stuck and I need help getting it out.
Product: Credit reporting or other personal consumer reports

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the below be removed because according to the USC1681 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : 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

My VA loan being serviced by US Bank has had a monthly billing of XXXX for the most recent history, however mysteriously and unannounced but for the month of XX/XX/2018 US Bank change that payment to XXXX. 

I am sure they have a reason for the new bill amount but my issue here is that it went unannounced and as a result causes me to incur a late fee, which I sent in after the payment of the previous payment received on the XX/XX/XXXX of  XXXX. The late fee that I sent in was for {$100.00} which included in gap between the XXXX amounts I sent in and the XXXX new amount due, {$6.00} My payments to U.S. bank are electronic transfers and scheduled by my bank. 

As a whole I have been satisfied with the servicing of the VA loan by US Bank. My concern here is that they not withhold important accounting information like Payment adjustments as a means to manufacture late fees. That would be unethical and corrupt practicing. This has not been my experience with US Bank. Brand and reputation goes a long way today. So I am bringing this to the attention of the bank both as a reminder and a complaint, that they did not provide me with accounting prior to the billing amount change nor forewarn me that a change was imminent. This lack of communication caused my payment to be late ( after the XXXX of the month ) because the amount I sent in before the XXXX did not match the new bill amount and as a consequence I had to send in a late fee plus the gap difference.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Currently, I am unable to pull my XXXX report. It is showing a technical error XXXX. I've called and have been informed in 5-10 business days it should be resolved, but the time has passed. My report is not allowing me to use other services or pull my Experian report due to it being linked to XXXX.
Product: Money transfer, virtual currency, or money service

I received a check from BB & T datedXX/XX/2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted BB & T to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by BB & T to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with BB & T and the owner, I have finally reached my limits. I later learned from BB & T that they put a stopped payment on the check but was never told why. BB & T did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a BB & T branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by BB & T. I was told by a BB & T rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in BB & T and just want the XXXX refunded back to me.
Product: Vehicle loan or lease

I feel that American Credit Acceptance should be investigated the way they are preying on people especially minorities and less fortunate with the high interest rate loans. Something needs to be done about these companies doing this. How can the less fortunate ever win with 25 % interest. This is a set up because they know people will default in these high interest rate loans. They need to be investigated
Product: Debt collection

I keep being put in collections {$340.00} from XXXX XXXX XXXX XXXX. I prove to the collection agencies that I paid them and they drop the collection. 
I am once again in collection. 
My finale bill after move out was {$340.00} XX/XX/2017. 
On XX/XX/2017 I paid {$50.00}. 
On XX/XX/2017 I pain {$100.00}. 
And on XX/XX/2017 I pain the final amount of {$190.00} for the total of {$340.00}. 
Hunter Warfield is the collection agent Acct. # XXXX XXXX XXXX XXXX  acct. # XXXX
Product: Debt collection

The company SOUTHWEST CREDIT SYSTEMS, L.P never contacted me regarding the debt or gave a notice. 
They posted it to the credit agencies.Never received any communication from this company.The amount of XXXX dollars owed was settled with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion and XXXX for inaccuracy on credit report. The dispute XXXX account. I told them the account was sold and was settled with another company. They refused to remove indicated the account was verified and correct. 
I have been denied rental, charged higher deposits, offered lower loan amounts for home mortgage because of this. 
I made my last attempt with Transunion on XX/XX/XXXX through chat. The representative told me it was varied before even asking for the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK XX/XX/2019 Credit Inquiry unverified but still persist on my credit report
Product: Debt collection

I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXXXXXX XXXXXXXX XXXX I called XXXXXXXX XXXX  and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Product: Checking or savings account

I received an email asking to verify my account t with Chime. I had never heard of Chime so immediately XXXX  and got their number. Called and was told there was an account ..explained I did not open any account and requested it be closed and marked as fraudulent. Was told they would send an email confirming it was fraud/ closed. No email came but another asking to confirm my account came. Called again and was sent an email saying they regret to inform me they have decided to close my account.!!! No mention of fraud I ask if they vet or confirm any identity when opening new accounts and they refuse to answer and rattle off how to file an identity theft complaint but never address how this account was opened despite me already having a fraud alert active on my identity and also having my credit file locked. They completely ignored my question
Product: Credit reporting or other personal consumer reports

When I woke up this morning, I saw a code had been texted to me overnight. I did not recall logging into any site requiring a code, certainly not in the dead of night. 

I was ready to ignore it, but thought I should check the credit monitoring agencies ( I had frozen my credit at each having learned that my SSN had previously been leaked ). 

I was able to access & verify my credit freeze with XXXX XXXX XXXX. 

Not with Equifax. 

In fact, Equifax rejected my phone # ( which I have had for at least a 15 years ) and required me to submit even more identifying info by mail! 

I am not ready to provide this info to a company that can plainly not keep anything secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this  information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

12 XXXX  : XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 to any 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

I have identified information on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 

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

XXXX XXXXXXXX Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, equifax, XXXX and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.