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

In XX/XX/XXXX, HSBC sent me an email saying that I can receive a 30 % bonus for transferring my HSBC reward points to XXXX XXXX XXXX points and the term said 1. The promotional period for this offer is XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX. Cardmembers will receive 30 % bonus Avios for HSBC Elite World Elite Mastercard or HSBC Premier World Mastercard credit card Rewards Program Points transferred to XXXX during the promotional period. Bonus Avios will be awarded with the original transaction. To redeem this offer, your Account must be open and in good standing. 

On XX/XX/XXXX I transferred XXXX points but no bonus was given.
Product: Debt collection

A notice was taped to my front door in XXXX stating that I was being sued by Midland Credit Management Inc. for the amount of {$2.00}, XXXX. I was very confused because I did not nor have I ever signed a contract or an application with Midland credit Management Inc. I was unaware of who Midland Credit Management inc. was until I received this notice. I requested in writing and email that they provide proof of any contracts or agreements that included my signature. Specifically, I asked for all original documents, including those with my wet signature, that purportedly establish a contractual relationship between myself and Midland Credit Management Inc. However, instead of receiving the information that I requested, I received a notice to appear in court.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/XXXX I deposited {$1900.00} into my landlords Chime account which was XXXX rent which included late fees for XXXX as well as XXXX. I bank with Chime and have for more than 2 years without any problems. I have paid my rent this way previously without any issues. On this occasion my landlord was unable to retrieve the funds and after several attempts Chime closed his account. Both my landlord and myself have made several calls on speaker phone to resolve the issue as well as via email, several emails and they refuse to refund my money. There was no nefarious activity on the the part of myself and as far as I know of none in the part of my landlord. I have supporting documentation.
Product: Credit card

I canceled a previously booked room in XXXX XXXX more then 45 days before arrival. 
The company XXXX XXXX XXXX tried to say it was not refundable even thought they advertise full refund if cancelled more then 45 days in advance. 
Citibank originaly credited my account after I filled a dispute with them on the charges. 
Then XXXX XXXX XXXX sent them paperwork telling lies. I sent Citibank supporting documents showing the lies and they contacted XXXX XXXX XXXX. Since they never responded back Citibank closed the case with me not recieving any refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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

on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,850 to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 as proof from the US Federal Trade Commission that all 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

To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my Experian credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried XXXX times to contact this well as EXPERIAN regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.
Product: Credit reporting

Transuinion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering. No notice was ever received, which is also a violation and I am requesting that the following inquiries be deleted and/or removed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Product: Money transfer, virtual currency, or money service

Money was transferred through XXXX XXXX, to my sister of the amount of {$1200.00} on XX/XX/XXXX of XXXX, but accidentally sent to an email no longer active under my sister 's name, so frost gave me a id pay number but the numbers weren't accessible on her end with her bank, so the amount was never received on either end
Product: Credit card

Called to see if I had a payment due and was told by XXXX  that my account was closed by Synchrony Bank. That is their privilege, not a right in the US Constitution, but it is not fair and they are blaming the consumers of their credit for their shortfall. The letter they sent through your agency has XXXX  about being a loyal costumer but when spoke to rep in person I was told the account was less than a year old. Maybe the have a different name or something. Dont you think there should be aware of when the account was opened. I will never shop there again and none of my family will either. I also contact our state consumer protection agency and filing a complaint with them. I am also contacting my state senators about their unfair and unreasonable credit tactics.h
Product: Credit reporting or other personal consumer reports

I am deeply disappointed from the results of my last complaint- and I want you to know once again that these discrepancies in my report have become detrimental on my mental health because of how badly they are affecting my scores.
Product: Student loan

I have always made my due payments on or ahead of time. I had fees on the account that I did not understand and called UAS, the loan servicer. After multiple attempts of holding and them dropping the call mid conversation I was unable to resolve the issue. 
I went online to make my minimum payement, but the website would not process my payement. I called again to speak to customer service and they did the same thing, on hold for twenty or so minutes and once I got connected the rep dropped the call. 

They reported me for 30 days delayed payement and ruined my credit score. I paid the amount due and they still have not wiped the incorrect reporting off my credit report, for something that it their own fault. I still have not been able to understand the charges that I was worried about.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that Equifax is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but Equifax started the '' dispute " process. The 4 Companies are XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that Equifax still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all  want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to Equifax.
Product: Debt collection

XXXX XXXX with National Service Bureau has Reached out to me 3 times. 

On his first call XX/XX/2019 : XXXX He claimed I owed a debt I do not owe. While I am aware that the the original debtor felt I still did, I have emails to show I do not. Before letting me get that far he threatened that if I do not work with him to pay him now he would contact my employer. I said you are not allowed to do that and if you do call I will answer and report it. He then claimed that he would find the company owner 's cell phone number and call him anyway. He ended the call rather abruptly as he seems to like to do. 

I explained these events to my partner who attempted to contact him about this and warn that he would be reported if this continues. He was told no further communication would be accepted by phone. Despite giving permission on the phone for her to talk he hung up. ( Seems he doesn't like to talk on the phone if he can't bully people into sending him money right away ) Again he called XX/XX/2019 : XXXX He claimed again that I would pay him, told me that he sent me a letter that I never received and I stopped him before letting his aggressive tactics progress. I told him I was not to be contacted by phone. I verified my address with him and told him to submit anything further in writing. I also told him I would be reporting him for his actions. 

He claimed he is safe because all calls are recorded and that ensures he cant be reported. Upon looking him and this company up there are many reviews that site his name directly and the absolutely vile way he goes about business. If he communicated properly, wasn't aggressive and allowed this debt to be disputed accurately he would have realized this isn't a debt I owe but instead he has tried to bully me into sending him money for fear of losing my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX appeared on my report with a balance of {$12000.00}. I submitted a report with CFPB case number XXXX and received the attached report from XXXX XXXX XXXX with no record of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor XXXX XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX   Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : S XXXX   Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED IN THIS REPORT IS INFORMATION THAT I HAVE NO RELATION TO, which violated FCRA LAW 609e and 605b. UNDER THESE LAWS THIS INFORMATION MUST BE PREMANENTLY DELETED FROM MY CREDIT REPORT WITHIN 4 business days. I HAVE CONTACTED MY ATTORNEY WHO WILL FOLLOW UP WITH EACH AGENCY WHO IS REPORTING FRAUDULENT INFORMATION TO MY CREDIT REPORT. UNDER FCRA 609a, these companies have failed to provide me with any original signed documentation stating that i owe a debt to any of these creditors or allowed them to run my credit report. Please handle this matter in a promp manner as i will be following up. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT INVOLVING EACH AGENCY REPORTING FALSE INFORMATION XXXX
Product: Checking or savings account

USAA notified me via internal messaging that my account had a security issue on XX/XX/XXXX. 
I called that night and they told me that everything was fine and that if there were other issues th ey would send another message. That week issued checks for credit card payments, children 's t uition and my rent. On XX/XX/XXXX, I was informed by my landlord that my rent check bounced, my credit card companies told me that my direct pay was not honored and my church that again my donation check bounced. I was fined {$82.00} for all of this and when I called USAA I was bounce d around to several departments and after 75 minutes I was told that my account had been froze n but that I was never notified. They froze my account because they thought the money that I se nt to my wife was suspicious but never told me. I was told that a service representative would ca ll me on XX/XX/21 by XXXX and they never did. I was told that on Monday ( XX/XX/21 ) after again on t he phone for over 90 minutes that all was okay with my account only to find out that my bill pay had been suspended. I want to be reimbursed for the {$82.00} fines and a letter drafted and faxed to me ( XXXX ) that my accounts are NOT FROZEN as none of my credit card companies will allow direct payment without it.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. DIVERSIFIED HAS NEVER CONTACTED ME REGARDING THE ACCOUNT IN THE AMOUNT OF {$1100.00} AND HAS NEVER GIVEN ME THE RIGHT TO DISPUTE THE ALLEGED ACCOUNT. I HAVE NEVER DONE BUSINESS WITH DIVERSIFIED NOR ANY COMPANY THAT THEY REPRESENT.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, I was XXXX  for an emergency XXXX XXXX XXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with XXXX is negatively impacting my credit score. Due to the XXXX in XX/XX/2022, I am requesting that the late payment be waived and update to paid on time so I can be approved for my new home as my lease is up in XXXX.