23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was recently gifted {$120.00} American Express gift card. Based on the site, it says you should be able to use the gift card at any retailer that accepts XXXX, and to just add the credentials in like a regular credit card and it should work. However, after my any attempts on multiple websites, transactions continually got declined. I made sure to follow the instructions and was trying to make purchases that were lower than the gift card amount. On XX/XX/2024, I contacted American Express Customer service who turned out to be incredibly unhelpful. Not only was I on hold for 3 HOURS - when I finally did get connected they claimed the failed transactions were for my protection. The card was declined at major retailers such as XXXX, XXXX, XXXXXXXX XXXX, for fraud protection.Their only solution they provided was to try other shops... ridiculous.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I Applied For A Platinum Card With American Express, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My Credit With This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose Mentally and Physically and Financially, Not Only That But It Showed Up On My Consumer Reports.
Product: Debt collection

Americollect has put medical debt {$740.00} on my credit that I do not owe and destroyed my credit for a company called XXXX XXXX XXXX. I never signed for it, don't know doctor involved nor why I am being billed as a XXXX VET, XXXX XXXX XXXX XXXX XXXXXXXX receiving free benefits and need the details of this alleged creditor in order to dispute via attorney. This action is a HIPAA violation and a violation of the " no surprise " billing act.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXXXXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXXXXXX Balance Owed : {$520.00} Medical XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint to EXPERIAN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Consumer Loan

I had been involved with a Wells Fargo Bogus Loan.The only way I knew about this was when it popped up on my credit report.I had banked @ Wells Fargo For years { off and on } Around XX/XX/XXXX-XX/XX/XXXX-Or so, { cant pinpoint the date, due to all information was on an old computer } Any way, The Bank had an outstanding loan out on me that i was not aware of, I had a loan a few years before, However it was paid and satisfied.I spoke with the company { wells } XXXX branch, About the loan that was not mine.They would not budge on assisting me in resolving the issue.My credit is what suffered! I had finally contacted the Federal Trade Commission about the bogus loan or mistaken identity loan out in my name.As far as i know, this was never resolved? Now fast forwarding to the issues with said bank practices ... I have to wonder if i was a victim of this fraudulent practice as well.And i have no idea on how to move forward with resolving this issue on my credit report.During this fiasco..I had several XXXX in my account.More than XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter and information via certified mail to XXXX, Equifax, and XXXX. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, Equifax, and XXXX to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXX XXXX, Equifax 's, and XXXX 's method of verification and it came back verified again. 

XXXX, Equifax, and XXXX failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, Equifax, and XXXX all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRA ) 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed 5 entries indicating a charge-off, which typically signifies a discharged debt for which you've claimed a tax write-off. Following a discussion with the IRS, it came to my attention that reporting such information on my credit report with the intent of collection or maintaining a charged-off status is deemed illegal, constituting tax fraud. Please be informed that the accounts in question are all paid off. Uplift is also furnishing inconsistent information between all 3 CRA 's when all information should be the same. There is also a duplicate account which I will list below. 

I insist on the immediate removal of the accounts from my credit report, along with the provision of a 1099-C form for auditing purposes to ensure compliance with tax regulations. This reporting discrepancy appears to be a violation of the FCRA specifically 15 USC 1681eb, as the information reported is not entirely accurate. 

The IRS has advised me to submit a Form 3949-A to report what appears to be illegal tax violations committed by your company. I'd like to emphasize that pursuing legal action is a course of action I'd prefer to avoid. Nonetheless, any violation of the FCRA by a corporation entitles the consumer to seek actual damages and monetary compensation, as outlined by the applicable U.S. Code. 

I trust that your CEO or VP would prefer to address this matter promptly and amicably to avoid potential legal consequences. Please see the attached credit report and remove the following accounts from my credit report within 7 days : UPLIFT, INC. XXXX, UPLIFT, INC. XXXX ( DUPLICATE ACCOUNT ), UPLIFT, INCXXXX XXXX, UPLIFT, INC. XXXX
Product: Student loan

I co-signed my wife 's {$3500.00} student loan through Citizens Bank as she was finishing up her final year of college. She graduated in XX/XX/XXXX, which means the repayment started in XX/XX/XXXX. She went online to establish auto-payments for her loans. Citizens Bank does not coalesce their loans into one payment ; no, that would be too easy for the consumers. Instead, my wife had to set up auto-pay at least three separate times, once for each different loan she had to take during her years in college. I personally have students loans through two other lenders that are not Citizens Bank, and my wife has another lender outside of Citizens Bank. In our experience, Citizens Bank is the only one that breaks up repayment in this fashion by default. 

My wife set up auto-pay which appeared to be working as we started receiving " Thank you for your Payment '' emails in XXXX with payments coming out on XX/XX/XXXX and XX/XX/XXXX. It wasn't until months later that we found out we overlooked setting up auto-pay for one of the several loans that were taken out over the years. Citizens Bank did not notify me until they put the loan in delinquency. No mail notification, no emails ( only the " Thank you for your payment '' again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) no phone calls, until the loan is now delinquent. We had full intention and means to repay this loan, but their website and their repayment system is not intuitive and not user-friendly. 

XX/XX/XXXX, Citizens Bank mailed out a letter indicating the loan is delinquent, which I received on XX/XX/XXXX. Upon getting home from work on XX/XX/XXXX, I immediately set out to remedy the situation, but ending up on the phone with XXXX because I could not navigate the website to find where the one loan that is delinquent versus the rest that were properly configured with auto-pay. XXXX Customer Service was able to navigate me to the correct loan and I promptly paid the current balance. 

After this negative experience, I did not want to give XXXX Bank any more interest off of that loan, so on XX/XX/XXXX I went back and paid off the remaining balance of the entire loan. I then called XXXX XXXX to file a contention of the delinquent report to the credit bureaus as this issue came up solely by the unorthodox nature of repayment for multiple loans, lack of meaningful communication that one of the loans was not being paid, and an unintuitive website that required a call to customer service to successfully navigate. 

XX/XX/XXXX, Citizens Bank denied my contention for credit reporting adjustment based on the fact they " do not offer courtesy credit report retractions. '' This entire issue stems from Citizens Bank. My wife and I tried to follow the rules, and we had repayment activity across our account, but Citizens Bank 's website made it extraordinarily difficult to establish and verify proper repayment when you have multiple loans with them. This should not be a matter of a " courtesy '' retraction but a matter of " sorry for our blistering incompetence to make a consumer-friendly repayment scheme and intuitive website. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate information in my credit report, which was prepared by Experian. As permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the disputed entries and correct any errors. 
Below, I have listed the specific items I dispute, along with the reasons for the dispute : 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  Please investigate these discrepancies and provide me with written confirmation of your findings. If the disputed information is found to be inaccurate or unverifiable, I request that it be removed or corrected promptly in accordance with the requirements of the FCRA. 
Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receiving this dispute. Additionally, I request that you provide me with a copy of the results of your investigation, including any updates or corrections made to my credit report.
Product: Checking or savings account

I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX. 

I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected. 

On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion. 

This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks. 

We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account. 

I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.
Product: Debt collection

I sent certified mail for the company to verify the debt, verify they are legally able to collect the debt. They failed to send any verifiable information with my legal signature. They only sent a downloaded copy of one of my mailed bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure at this time but let 's call it 15 years ago. My credit card info got stolen. Alot of charges took place on my name. Fast forward now my paychecks are garnished XXXX per week. I cant live on whats left. Not after since the pandemic. Im just starting to catch up now this happens. Im ruinined.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX A Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor Report info
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX , va XXXX inquiry from XX/XX/XXXX I have not authorized these inquiries on either of my reports. I would like for them to be deleted from my XXXX, my XXXX and my XXXX  report.
Product: Mortgage

my mortgage is a arm loan which was never explained to me and I have been paying on this for years and my balance seems to go up. I did n't know that this is how it would come out I have killed my self to keep it there should be a law on doing this to americans
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Product: Checking or savings account

Im here asking you for the love of God to help me solve this problem with the Bank of America ..... 

On XX/XX/2022 I contacted XXXX XXXX XXXXXXXX complaining about a fraud in my account... I saw them withdraw in a day almost {$1000.00}... when I went to take a look at my account to realize that XXXX was withdrawing money from my account for more than a year. I contacted the bank to open claim, they said they were going to investigate .... 

And they will ask me to contact XXXX ... .I contacted XXXX and XXXX will review my phone and saw that it was fraud ... I called the bank again and they will send I wait 45 days to investigate... well the 45 days have passed and they will not call me and did not send any letters and simply closed the case... 

I called the bank again, they simply said they closed the case for spending a lot of time I spoke to the attendant that XXXX spoke That it was fraud... they will tell me to go to the bank and sign a paper. I got there, there was no paper and the person who answered me called them And he explained everything again and the attendant asked me to go to the police station to open report I did everything they ask to me They will ask, I sent everything copie report And they will send I wait 30 days I waited I called again and they couldnt find the documents I sent and whenever I called I never found my case even with the claim number I asked about the fax I sent... I didnt have an answer and in the end the boy who answered me simply said that there is nothing else to be done .... Because I entered my account several times and because I didnt see the transactions .... So I explained why it is a Businesses account and that it entered several charges and entered money that my life is very busy because I have XXXX children .... Im single mother Bank of America will close the case Even though I said that XXXX said it was fraud For not speaking English Theyll think I wont run after my money Please help me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need, Ill send you everything from each sheet of this Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to XXXX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit card or prepaid card

I have been filing four complaints against GOLDMAN SACHS BANK USA associated with four disputes on file, and every time the company provided a response that's NOT associated with the dispute IDs I provided and then they requested the complaints to be closed. Could the company provide responses that are associated with the complaints? 

My iPhone and wallet were stolen last XXXXXXXX, I've been working with the bank for all the disputes, but the bank only removed part of the unauthorized transactions from identity theft, not all of them even if they are from the same merchants and the similar dates with all other unauthorized transactions. These are the disputes that should be included in the identity theft transactions and the bank still asks me to be responsible for the balance even though I provided an identity theft victim report along with a series of police reports ( SR22-7696 ). XXXX, {$1700.00} XXXX, {$1600.00} XXXX, {$860.00} XXXX, {$1300.00} Compliant ID : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.