23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an American Express Platinum Business card last XX/XX/XXXX. The signon bonus is XXXX membership points after spending {$15000.00}. Soon after I got the card, I also got a targeted offer letter with the signon bonus of XXXX after speding {$10000.00}. So I called American Express to ask what offer my card had. They told me it 's the same as the targeted offer letter. So I spent a little more than {$10000.00} by XX/XX/XXXX. Then I found I only got XXXX points. I started to call AMEX and told them the story and they promised to open an investigation. I did n't hear anything back from them so I called AMEX again today. To my surprise, I was told even they gave me the wrong information, they ca n't change the original offer, nor offer me other options ( such as I spend the required {$5000.00} in the next week or so ) so that I could get the missed XXXX points. I think it 's really unfair given the fact that I was given the wrong information so the spending requirement was not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''
Product: Checking or savings account

By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. 
My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. 
The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. 
I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. 
Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. 
Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.
Product: Credit reporting or other personal consumer reports

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted Capital One. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX
Product: Mortgage

4 months ago I requested a modification plan for my mortgage forbearance and have continued to ask for it to be provided. The title search took months and now XXXX  is reviewing the plan (? ). The company has yet to provide the modification plan and will not tell me when it will be provided.
Product: Credit reporting or other personal consumer reports

I recently was denied a bank account because of early warning services LLC reporting incorrect and inaccurate banking history on my behalf without proof of misconduct and I certified mailed them 2 separate letters to get my information and history removed from their database from XXXX to XXXX and I have not heard anything back from them and havent received a return letter with a response. So I want my file removed from their system immediately, and it is creating me a financial hardship with me not being able to open a bank account to receive my direct deposit from my employer. Thank you for helping me resolve this matter.
Product: Debt collection

On Monday, XX/XX/ I paid off a balance of {$630.00}. I was told it takes 10 days to generate a settlement letter. 

I called on Monday, XXXX XXXX XXXX  to request that I have my letter emailed to me. I was instructed by many different people, XXXX XXXX and XXXX XXXX instructed me that I will have to wait until Thursday, XX/XX/ to send me the letter to my e-mail once it has been generated. I was also told by employee " XXXX XXXX if I called on Thursday, XXXX XXXX XXXX that the letter will be ready and they will send it to me while I was still on the call. 

I called on Thursday, XX/XX/, and was luckily greeted by the same XXXX XXXX I spoke to on Monday who said that the letter has actually not been generated yet but she will raise the request to have it generated and it should take 24-48 hours to receive the letter and it will be emailed to me. 

I received no letter by Saturday, XXXX XXXX XXXX  so I called once more. Unfortunately the phone lines were closed until Monday but I was able to use there wed service to speak with someone through chat. She unfortunately told me the same as XXXX XXXX on Thursday saying the letter has not been generated but she will raise the request and it should take 24-48 hours. 

On Monday, XX/XX/, I still have not received the letter so I called once more. The gentlemen told me the letter has been sent out today actually. I said " Nice, but, I would like to have that actually emailed to me. He then proceeded to tell me that the letter has not been generated " in PDF '' form so he would not be able to email to me. But he would be happy to send a request to generate the letter and I should call back in a few days when it's ready. I have expressed to him that multiple if his colleagues have already gave me that response and I am starting to doubt it's truthfulness. I proceeded to ask him what happened to the other request 4 days prior that went unanswered about generating my letter and he did not have an answer for me. I then requested to speak to a manager. His manager, XXXX XXXX, who I actually spoke to on Monday, XXXX, XXXX XXXX, decided to give me the same excuse for why I still haven't received my letter. I asked many times if he had contact with the people who generate the letter and why are you telling me it was mailed out today when I requested to have it emailed, and that can not happen because the PDF has not been generated to email it to me but you can mail a hard copy? I told him that I was now getting frustrated and worried because they took my money on Monday, XXXX XXXX XXXX and they are keep giving me the same excuses. I proceeded to tell him I will just report that charge as fraudulent and wash my hands of this entire ordeal. At that point he said, " Oh they just emailed me back and they said your letter should generated by tomorrow and we can email it to you. '' I said, oh how convenient. I let him know that I will be reporting this because I don't appreciate the constant run around.
Product: Credit reporting or other personal consumer reports

After numerous attempts to have this fraudulent spouse or co-applicant XXXX, removed from my credit report credit bureaus have not removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the Experian app about a year ago to get advice on raising my credit. Using the steps on this Experian app and paying off debt and current with others, this app now says that I have a FICO score of XXXX. When I went to a local dealership to purchase a car, I was told that my FICO score was XXXX. I have never been so humiliated in my life. When I spoke to a Customer Service Rep at Experian, he tried to explain it as a " metrics '' issue. What type of " metrics '' cause lenders to have FICO scores with XXXX point difference from what potential customers are seeing from Experian? Now I have inquires in my credit all based on a product that obviously is a scam. Any help with this issue would be greatly appreciated. You can contact me XXXX. Thank you for your time, and I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

For several years I have been unable to check the status of my security freeze or otherwise manage that freeze ( i.e. temporary thaw ) in the Transunion website. I continue to get an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now '' This forces me to call in and go through endless automated processing steps and wait endlessly for a live agent in order to check or manage my security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress credit card has shared information with XXXX, XXXX, and XXXX of XXXX late payment dated XX/XX/2021. This one late payment has been reported incorrectly and has been a hinder in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED FRAUD INQUIRIES WITH TRANSION, XXXX AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

applied for a XXXX XXXX card. I was approved, and the agent, at the end of the call asked me if I wanted the " Account Assure Debt Cancellation '' on my card. If I lose my job etc, it pays off the card. I said no at LEAST 4 times, but she was relentless. Once she said that I would have to physically sign and return a letter to accept it, I said OK. When the letter arrived, I promptly shredded it. I pull up my statement today, and find on XXXX, they charged me {$3.00} for this, even though I never signed and returned the approval letter. I have tried to contact them and when I explain the problem, they say they need to transfer me, and then promptly hang up on me. It was also stated to me that if I accepted it, the fee would be 1 % of my account balance as of my statement date. the charge they put on my account is 1.9 % of my balance.
Product: Credit reporting or other personal consumer reports

Someone used my social security information to secure loans and products from XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently. I submitted XXXX  police reports six times 6X 's to the agencies and Major XXXX credit reporting bureaus, XXXX, XXXX and TransUnion with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.
Product: Prepaid card

I have attempted to use the card at various retailers online including XXXX, XXXX XXXX and XXXX. The transactions keep getting declined. I verified that there was sufficient balance through the online portal including waiting 7+ days on amazon for the pre XXXX XXXX cent charge to go away before trying again American express is blocking all transactions on this card and it can not be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Name : XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Dear TRANSUNION LLC, To whom it may concern, YOU BROKE THE LAW!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about XXXX handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and promptly reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 
The findings from the CFPB indicate that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit its system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE I.R.S AN UNPAID CHARGE OFF IS INCOME ACCORDING TO THE FCRA INCOME CAN NOT BE REPORTED ON A CREDIT REPORT I'M REQUESTING FOR THE SECOND TIME A 1099-C ( CANCELLATION OF DEBT ) FROM XXXX XXXX ACCOUNT # XXXX AFTER CHECKING MY MOST CURRENT REPORT THE XXXX XXXX XXXX THE UPDATED INFORMATION STATES THAT THE ACCOUNT WAS SOLD/TRANSFERRED TO XXXX XXXX AS OF XXXX XXXX AND THEY ARE THE NEW SERVICER OF THE ACCOUNT. THIS ACCOUNT CAN NOT BE REPORTING AS A CHARGE OFF ON MY CREDIT REPORT THE ACCOUNT WAS SOLD/TRANSFERRED TO ANOTHER LENDER PLEASE SEND ME THE 1099-C FORM THANK YOU.
Product: Credit card

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to XXXX XXXX, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Product: Credit reporting or other personal consumer reports

Subject : Resolution of Billing Error Under USC 1666b and Request for Understanding I am writing to address a recent billing discrepancy on my account with your company, despite the fact that my payments have never been late before. Pursuant to the Fair Credit Billing Act ( 15 USC 1666b ), I am reaching out to you to rectify this matter and ensure that my account reflects accurate and timely payments. 
Account Name XXXXXXXX XXXX Please remove late payment from credit report I want to emphasize that I have always maintained timely payments on my account, and this billing error has caused undue confusion and concern. 
As per USC 1666b, I am entitled to have this billing error promptly corrected and any related fees reversed. I kindly request your assistance in investigating this matter and adjusting my account accordingly to reflect the accurate payment history. 
I value the positive relationship we have established, and I appreciate your attention to this matter. It is important to me that my account accurately reflects my payment history, and I am committed to resolving this discrepancy promptly. 
I would be grateful if we could discuss the necessary steps to rectify this billing error and ensure the accurate reporting of my payment history moving forward. Please provide me with the details of the corrective actions taken and the adjustment in my account. 
Thank you for your understanding and cooperation in resolving this issue promptly. I look forward to your timely response and assistance in correcting this billing error. 
Thank you for your attention to this matter.