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

I filed a dispute on multiple charge of services not as described and as promised. 

I filed these dispute with Citibank on XX/XX/XXXX. I received delayed electronic communication only from Citibank meaning they sent an email and the document was dated 2-3 days prior. 

I received an email on XX/XX/XXXX asking for more information about the dispute. I replied and said I was gathering the information and I would submit it. On XX/XX/XXXX, I submitted the information via email with attached word document. 

The email from Citi on XX/XX/XXXX did not specify a deadline for me to submit this information. I received a notice on XX/XX/XXXX that I did not send document. However, this is not true as I did on XXXX 

I called and spoke to a dispute person who confirmed that I didnt have to do anything and the dispute was going as normal and they have received my information. 

On XXXX I received a notice the dispute was closed because I didnt supply documents, but I did on XXXX 

This is the second time within a year Citibank has not properly handled a dispute and I have had to file complaint.
Product: Credit reporting or other personal consumer reports

I have previously sent multiple letters XX/XX/XXXX and XX/XX/XXXX requesting validation and verification of a bankruptcy on my report. According to 15 USC 1681 accuracy and fairness of credit reporting! 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 regards to confidentiality accuracy, relevancy and proper utilization of such information in accordance with the requirements of that chapter. Also, transaction and experiences between a consumer and a person making the report shall not be reported. Any payment history, ultilization, history, status, remarks, limit and balance are all part of transaction and experiences so it should be deleted per federal definition of consumer report! 
I have yet to receive any validation or verification of this bankruptcy. I have personally contacted the us bankruptcy court and they DO NOT report to any credit reporting agencies. Per 15 USC 1692j it is unlawful to design, compile and furnish. Any form knowing that such form would be used to create the false belief in a consumer, that a person other than the creditor of such consumer, is participating in the collection of or in an attempt to collect a debt such, consumer allegedly owes such creditor. When in fact such person is not participating. Consumer reporting agencies must delete inaccurate, incomplete or unverifiable information.
Product: Debt collection

On XX/XX/XXXX, I went to an emergency room and I provided my insurance to them. The emergency room/ hospital called me after I was discharged to get payment information, I provided them my insurance information again and they stated that everything is good and no more action to take. Couple months after, a collection agency called me to take some information about that and I stated that I have gave my insurance information more than once and I do not understand why this keeps happening. She took the info over the line and everything was ok. Lately, I have been getting so much calls from a number that I think its a scam, I keep blocking them and they call me from different phone numbers. After all this time, this morning XX/XX/XXXX I checked my XXXX XXXX report and it says that I have a credit report. As I was checking, it states the company name that I think it was scam. I called them to see whats happening and the person who answers the phone was XXXX and he didnt know what hes talking about. I could hardly understand what he was saying but I know he was saying this is a hospital debt and we need a payment right now. He stated that I owe around {$1400.00} and that he will offer me a discount and it would be {$900.00} instead if I provide him my card information. I told him that I cant offer any payment today and that I am unemployed. He stated that ok give us your card information and well stop this report. I asked him why is he asking for my card information so much and why is he needing a payment from me TODAY when I shouldnt owe anything? He stated that I can not call any hospital or insurance or anyone about that report and it has to paid with them ONLY and that there is no other options for me. He states you can not get in contact with anybody just with us I told him I have to borrow money and Im unemployed, he stated you dont even have {$100.00} today to pay me? And I can do it {$100.00} a month he was asking so much for a payment information that he said he needs them today. When I said not today, he stated OK, Tomorrow? I can call you back tomorrow I ended up hanging up the phone on him. The company is called Central Portfolio Control. I do not owe any money and everything should be paid in full from my insurance. The way he was talking and forcing me to pay today to him was a scam.
Product: Credit card

The payment wasn't properly posted to my account and Best Buy credit services is giving me the run around saying it will get taken care of, or not much action being taken on their end to clear this payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal, notice to principal is notice to Agent. 

I was looking over my credit reports the other day and noticed an account on my reports from Comenity Capital BankXXXX XXXX account number XXXX XXXXXXXX, reporting late payments. I am 100 % certain that Ive never received any goods, services, or money from this company, nor have I ever done any business with the company. I have reached out to Comenity Capital BankXXXX on numerous occasions and was informed that an investigation was completed, and the account was closed as erroneous as of XX/XX/2022. I am confused as to how this company is now reporting past due/late payments on my credit reports. From what I know of the law, only a contract/signed agreement between Comenity Capital BankXXXX and myself would make me legally bonded to any debt that they are alleging. An agreement with XXXX XXXX XXXX XXXX in XXXX, XXXX was cancelled within their 3-day grace period, therefore, there should be no monetary charges from Comenity Capital Bank XXXX 

If Comenity Capital BankXXXX had sent me a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to dispute this account long BEFORE they unlawfully caused considerable damage to my credit reports. I humbly request that Comenity Capital BankXXXX remove this erroneous account from my credit reports and cease any further collection efforts. Please consider this letter a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. 

Respectfully,
Product: Checking or savings account

I opened a Citi XXXX XXXX XXXX Account in XX/XX/XXXX. This was in response to an offer mailed to me by Citibank. The terms of the agreement were that if I deposited {$10000.00} and left it on deposit for 2 months after the month of the initial deposit, I would receive XXXX XXXX XXXX air miles. The terms also included a statement that Citi had 90 days to deposit this award and the funds must still be on deposit. 

XXXX ) I assumed the miles would be deposited in less than 90 days because prior awards with other banks, credit cards, have been much more prompt. I called during the 90 days and was told they had until XX/XX/XXXX to award the miles. This is bait and switch. In actuality the offer should state that you must keep your funds on deposit for at least 150 days or 5 months to receive the miles. 

XXXX ) I called on XX/XX/XXXX and was told the miles would be deposited in 5 - 7 working days. 

XXXX ) I called again on XXXX and was told, without fail, the miles would be deposited by XX/XX/XXXX. ( Now the funds have been on deposit for half a year without the miles promised. ) 4 ) It may be obvious but, to date, the miles have not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized use of a motor vehicle ( XXXX ) was dropped to a XXXX XXXX. That's the inaccurate information found in this report.
Product: Debt collection

I have never done business with Ad Astra Recovery System. I do not have a signed contract not any contract with Ad Astra Recovery Systems. I have the right to demand to see a signed contract between Ad Astra Recovery Systems and myself
Product: Checking or savings account

On XX/XX/XXXX XXXX $ was posted to my account from XXXX XXXX. After that time it was posted I had {$1.00} left in my Bank of America account. On XX/XX/XXXX I got an NSF for XXXX , the representative told me I didnt have enough funds in my account to cover another transaction that came out AFTER the XXXX  XXXX payment posted. On XX/XX/XXXX my {$200.00} payment to XXXX XXXX was returned. I called Bank of America 3 times and every time I called I got a different explanation. It was never the same. I called back the 4th time and made a complaint.
Product: Credit card

I was sent an unsolicited XXXX debt card, associated with an account at XXXX XXXX, from Netspend ( XXXX ). 
I did not apply for a debt card. I did not open an account at XXXX XXXX. 
This type of marketing needs to be investigated!
Product: Credit reporting or other personal consumer reports

Issue : Ford Motor Credit Company has unlawfully manipulated my credit report and violated the Fair Credit Reporting Act ( FCRA ) by : Reaging a charge-off account on my credit report. 
Penalizing me for disputing the charge-off by causing a XXXX drop in my credit score without justification. 
Description : On XX/XX/XXXX, I reviewed my XXXX credit report and observed that a charge-off account from Ford Motor Credit had been updated with changes to its payment history. This alteration occurred following my lawful dispute of the account, which should not result in punitive measures or changes that harm my credit score. Attached, I will include the following evidence : Screenshots of my credit score before and after the dispute showing a drastic and unjustified XXXX drop. 
Comparisons of my XXXX credit report before and after the dispute, highlighting the altered payment history. 
These actions are violations of the FCRA, as creditors are prohibited from " reaging '' accounts or altering account history to extend negative reporting periods. Additionally, penalizing consumers for exercising their legal right to dispute information under the FCRA constitutes an unfair practice. 

FCRA Violations and Supporting Case Law : Reaging Account History The FCRA ( 15 U.S.C. 1681c ( a ) ) specifies that negative information, such as charge-offs, may only remain on credit reports for up to seven years from the original delinquency date. Reaging a charge-off or manipulating its payment history is prohibited. 

Case Reference : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : XXXX was found liable for inaccurate reporting practices and fined for reaging an account. 
Punishment for Dispute Consumers are protected from punitive credit reporting practices for filing disputes under the FCRA ( 15 U.S.C. 1681i ). 

Case Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : XXXX paid damages for failing to investigate disputes accurately and penalizing the consumer. 
Failure to Correct Errors After Dispute The FCRA requires creditors and credit bureaus to conduct a reasonable investigation and remove or correct inaccuracies promptly. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX was penalized for not promptly addressing consumer disputes regarding inaccurate reporting.
Product: Credit card or prepaid card

hello, I've had the following account since XXXX I'm disappointed in the treatment I've received- during my time of hardship. Not only do I believe you have violated my consumer right but I have lost faith in the ability of your company to protect me as your customer. 

On the XXXX of XXXX my account was closed per the agent I spoke to due to the past due status. while I did know that the account was pass due I had every intention on catching complete back up, once I recover financial from the death in my family. I had no idea and wasn't aware of the severity of my tardiness. From my knowledge The last attempted to make a payment before closure was online where i update the account number removing the previous XXXX bank and adding a XXXX XXXXXXXX account with sufficient funds to cover the amount I wanted to pay. 

However, It seem the Amex system online didn't register these changes and didn't process my payment through the correct account " XXXX XXXX ''. This would have prevented my account form going further pass due and leading to the closure. 

which has lead me to today where I made a payment towards the account to completely catch up thank god! but received unsettling service form your rep. who would not provide me any kind of company id to better identify him just his first name XXXX, He tried to tell me the systems where sown and to call back in 2 hours when i ask to speak to a supervisor. He came back attempted to resolve my issue. then when i assisted to get a supervisor and they would call me back in 30 min but i never received a call. 

I am requesting you to reinstate my account complete with the Authorized users and also in a effort of good faith a credit to the account for all retuned payment fees and late fees on the account based on the service I've received i feel this is just. 

look forward to hearing form you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received an email from your company, Bank of America, which asked me to check the message in your company website. Therefore, I opened the claim number XXXX, which told the claim price {$50.00}. And an attached message/letter asked me to submit the additional information for this claim. As I mentioned in the previous letter, this claim must mean for the charge of XXXX XXXX XXXX in XXXX, NJ. However, on XX/XX/XXXX, the amount of {$58.00} was returned by the same office ; therefore, I would like to ask what this {$50.00} is meant and what kind of additional information you want. 

Sincerely,
Product: Mortgage

My first complaint addresses the fact that XXXX XXXX XXXX sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by XXXX XXXX XXXX of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX XXXX XXXX concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from XXXX XXXX XXXX went over my payment history and could not find these four missed payments. However, during this call ; there was no mention about of a loan transfer. As a matter of fact, the last thing she asked me was " When was I sending in my next payment ''? 
Also, ( SLS ) sent me a letter stating that they will foreclose on my home on XX/XX/XXXX. I have submitted the letter that was sent, and copies of my Bank statements showing all of my payments. Be informed that, UCC 3502 states that if you were late, you are in dishonor, but from the moment they accepted your payment ( cashed your check or posted payment to your account ) then it is to be treated as never being in dishonor ( never being late ). 
I have attached the document labeled XXXX # XXXX which is the last letter and only recent letter that was sent to me by XXXX. It mentions nothing about my loan being transferred. If XXXX XXXX XXXX claim that they informed me of the transfer ; that will be a false statement.
Product: Credit reporting or other personal consumer reports

Someone attempted to use my credit and this resulted in dozens of credit inquires. Many on the same day while they apparently attempted to purchase a vehicle. This was done without my knowledge or authorization and is hurting me and my credit.
Product: Payday loan, title loan, or personal loan

XX/XX/2018. This is the third time that I have been contacted by Bankers Healthcare Group to take out a loan with them. It includes a card and a personal site that obviously could be used in identity theft if anyone else received it by mistake. I have written to them last month and the month before, demanding that they stop sending these cards. Their " President '' is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. Please stop them from sending unwanted loan offers.
Product: Bank account or service

I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

The particular company ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I was a victim of Identity Theft so reached out to Transunion, XXXX, and XXXX on XX/XX/XXXX via certified mail. The Credit reporting agencies removed the items from my credit report and placed them back on my credit report with sending me any notification and without furnishing and written agreements between me and the creditor. Through this entire time, none of the creditors reached out to me with an explanation. So I reached out to my attorney and was advised to submit a CFPB complaint. If there were no updates or changes within 4 days then I will be pursuing monetary litigation at the maximum capacity. 

In accordance with Fair Credit Reporting Act the listed accounts has violated my rights : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 Section 604 a section 2 : Also states, a consumer reporting agency can not furnish a account without my written consent 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.