23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XXXX XXXX0,2017 I sent the credit bureaus letters.
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I waited almost SIX WEEKS, and received ZERO response.
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I again sent another letter on XXXX XXXX, 1017 and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME.
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Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license.
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I am incredibly frustrated by the lack of response from the credit bureaus.
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Nothing i am doing is getting a response or correction of items on my credit report.
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The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT.
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I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of crap. This is n't fair, this is n't right and i am completely disgusted by this.
Product: Credit card

First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the mentioned creditors. Please remove them from my credit report as soon as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XX/XX/2021 an account was opened in my name that is fraudulent. I did not authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my fraud alert XXXX doesnt even have it correctly its costing me loans do not I I repeat do not put it one
Product: Vehicle loan or lease

XX/XX/2021 today at purchased the vehicle of {$8000.00} down payment the car was famous did XXXX something dollars Extra fees get an idea where my car payments are going up and the loan is going up Ive had problems with the car since day one I went threw a new transmission and engine already its been 4 months since I had the car I reach out to the dealership and bank no help from either side I feel like I was beat out of {$8000.00} now they wont let me trade it in they say I need another down payment and credit ran again now Im stuck with a broke car and still responsible for the car note
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXXXXXX XXXX  Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I had the electronic bill pay department at XXXX XXXXXXXX XXXX transfer 2 amounts to payoff the amount due in full on a XXXX 'XXXX XXXX  XXXX issued by Comenity Capital Bank. These two checks, in the amounts of {$1400.00} and {$81.00} cleared the banks on XX/XX/XXXX. The payment due date was XX/XX/XXXX. Comenity Capital Bank has not credited my account to date for these amounts even though, XXXX XXXX has provided them with proof of payment made and received and I've provided them with copies of the statements showing the amounts debited from my checking accounts. 

XXXX XXXX also arbitrarily changed or altered my account number for the two months when the company claims to have lost or never received my payment. 

I have, on a weekly basis tried to resolve this matter since XX/XX/XXXX. Additionally, I've been on XXXX conference calls between XXXX XXXXXXXX XXXX  and Comenity Capital Bank to try and correct this accounting error but to date, Comenity Capital Bank who has received proof of payment in writing from XXXX XXXX refuses to credit my credit card account for the total amount paid of {$1400.00}. This, is resulting in interest charges being applied to my account by Comenity Capital Bank. Comenity Capital Bank is making no effort to communicate or to resolve this error in accounting on their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

XXXX XXXX Removed XXXX. 

XXXX  did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with Experian when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

Experian initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to Experian and XXXX XXXX explaining I sent debt verification letters to XXXX and XXXX XXXX  and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to Experian and XXXX XXXX that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to Experian about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to XXXX XXXX about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. Experian and XXXX XXXX verified these accounts at the same time I am disputing these accounts with the creditor. Experian took XXXX off after they did not verify in time then re added after they verified late. Experian and XXXX XXXX are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.
Product: Debt collection

A signed affidavit was sent and delivered to XXXX, XXXX XXXX of the company on XX/XX/2021 about a credit card account and an alleged debt owed. There was a 5 business day time period to rebut the affidavit with an affidavit fact for fact pursuant to 15 U.S. Code 1681i ( 6 ) ( A ). Without this you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.
Product: Mortgage

I was scammed to open a home equity loan with figure lending which i take responsibility for my stupidity to open the XXXX and put it into a crypto account and someone took XXXX dollars from me i accepted that and started paying the hone equity loan and now figure lending putting a recall on my personal account and recalling the money back after i made XXXX payments on this loan and XXXX XXXX is sending my personal money back to flag star bank which is associated with figure lending and they are scamming me by collecting payments from me and putting a recall on my personal account
Product: Checking or savings account

Hello, I have a history that goes back 15 years with Bank of America and throughout those years I have never had any adverse action on any account that I held with them. I recently opened an account with them and due to the mail delays I did not get anything pertaining to the account for over two weeks. When I called in to the call center for customer service center to figure out how to get everything in order I was told that the account was considered fraud. I asked why and explained that I could not take action on an account that I have no information for. I was told that they could not provide me any information and that was it. I recently received a letter in the mail again expressing the account was closed for fraudulent reasons with no explanation and the decision was final. They also expressed that this could affect my ability to hold any account with them in the future. I live in the same home I have lived in for over 20 years and all information that I provided was valid. I think this was not right considering they could not provide me an explanation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit card

In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Unauthorized Use of Personal Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the fraudulent use of my personal information, including my Social Security number, date of birth, and name. These details were used without my consent to apply for multiple apartment leases, resulting in negative consequences for me. 

I have contacted each of the properties involved and emailed their property managers directly to address this issue. Unfortunately, none of them have responded to my inquiries, leaving me unable to resolve this matter. Furthermore, I have reached out to the debt collection companies associated with these accounts multiple weeks ago, but I have yet to receive any acknowledgment or resolution. 

This situation has severely impacted my ability to secure a place to live, as these fraudulent accounts are preventing me from moving into my new home. Despite my diligent efforts to resolve the issue by contacting the involved parties, I have not received the necessary support or responses. 

I am requesting the CFPBs assistance in investigating this matter and advocating on my behalf to ensure these fraudulent accounts are removed from my record. I have attached copies of any relevant correspondence, including my emails to property managers and debt collectors, for your review.

Please let me know if additional documentation or information is required. I appreciate your time and support in helping me resolve this matter. 

Sincerely, XXXX XXXX
Product: Credit card

What part of " accounts open '', do n't you understand? 

XXXX lists XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX lists XXXX Closed XXXX XXXX XXXX Closed XXXX XXXX BUT XXXX lists XXXX Open and no deletion date. 
XXXX XXXX and no deletion date. 

If you are reporting to all XXXX ( XXXX ) Credit Reporting Agencies as you say you are. Why do only XXXX ( XXXX ) have the correct information. If these are closed, it must be stated as such. If you were to say " considered closed '', that has no validity without a date of closure. 

XXXX has a common practice of doing things all on their own. If there is no date of closure, XXXX will leave these in my report indefinitely.
Product: Checking or savings account

I filed a complaint XXXX # XXXX and am still having issues with USAA. 

USAA was supposed to close my account and send me a check. USAA did not close my account and they sent me a check listing my old trust as the pay to order of. I have not been able to get this check cashed. Additionally, I am still getting letters from USAA with statement dates that are after the close date of my accounts ... .which tells me that they have not closed the accounts like they told me. 

Date of check : XX/XX/2021 Check # : XXXX USAA had a copy of the new trust paperwork on file so they should be able to reissue the check.
Product: Bank account or service

Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.
Product: Credit reporting or other personal consumer reports

This is in response to Experian credit bureau failed communication of a copy of disputed accounts on my credit report I enclosed on XXXX XXXX. I sent Experian a letter requesting validation of the above accounts. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
Under the FDCPA, Experian are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Experian have not yet sent me copies of documentation of the validity of the reinvestigation process procedure. Under both XXXX and XXXX consumer law, I have the absolute right to get a debt validated, and Experian are obligated to respond to within the statutory time limit. Experian 's failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act law and may result in an investigation of Experian Credit Reporting Agency for non compliance and other violations by the Federal Trade Commission. Any attempt to collect a debt without properly validating would be a violation of the FDCPA and State consumer protection laws. Should Experian continue to attempt to collect these debts without validation, I have the right to sue Experian in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. In addition, I would like to remind Experian that they are legally obligated not to report a debt that has not been properly validated. I am sure that Experian wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Experian fail to respond to this letter within 15 days, I will not hesitate to report these violations to my State Attorney General, all the Federal Bureaus of investigation and the Federal Trade Commission. I have sent in all the proper identification and court documents necessary to get this matter resolved. 15 USC1681i states in paragraph B, The Consumer Reporting Agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the credit reporting agency from the consumer and who Experian contacted, what information was transmitted, who and where is the company that helped Experian verify the accuracy and completeness of the reinvestigation and company telephone number. All I requested a long time ago. Experian is supposed to do an independent investigation, which never happened. Experian has ignored me. Experian has not been adhering to the Federal laws. Experian needs to be held accountable for violating my consumer rights under the FCRA, FDCPA, State and Federal laws of the United States of America. Since I did not get any proof or a method of verification documents from Experian by FCRA, FDCPA, State and Federal consumer law, credit reporting agencies Shall and Must promptly Remove or Delete disputed items from credit report. 
Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/ SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ).

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

state tax refund was intercepted due to vehicle toll tickets for a vehicle i sold in XX/XX/2016, i provided collector with vehicle release of liabilty but they sent notice they did not have to refund my money
Product: Debt collection

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Product: Credit card

On XXXX of XXXX, I requested to have my priority pass membership benefits delivered for me and my authorized user, the citi bank has no idea how to do it. While they are advertising this feature for the main card holder as well as authorized user. I have paid the annual fee for me and my authorized user while we dont get what they advertised for.
Product: Credit reporting or other personal consumer reports

I This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint this fraudulent, inaccurate and false information consists of a personal credit card account opened at ( XXXX XXXX ) XXXX XXXX / 3 account opened at XXXX Bank on XXXX XXXX XXXX .account opened on XXXX XXXX - XXXX  on XXXX 3 account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account opened at XXXX XXXX  /// XXXX XXXX  XXXX // XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased XXXX tickets to a show using my First National Bank of Omaha credit card. The show was canceled. The money was refunded to the credit card. There was a balance of {$130.00} when the money was refunded. The credit card company will only send me {$470.00} and kept the {$130.00}. for a payment. I requested a check for the full amount {$610.00}. The payments to the card were current with no past due balance. They have no right to keep my money. I did n't want the balance paid off at that time. Some of that money I needed to give back to the people that were going to the show with me. It 's wrong and they should have sent me the full amount.