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

I made my credit card payment on time to Bank of America electronically using the Bill Pay service at my personal bank in XX/XX/2018. My personal bank had an error in their system and did not send the payment even though I had made the payment. Bank of America reported this payment as late to the credit reporting agencies. My personal bank has call Bank of America several times and explained that I had made the payment, but Bank of America continues to report the payment as late.
Product: Credit card

I signed up for a the Chase United Mileageplus Club Credit Card in XX/XX/year>. I signed up for the card based on a targeted promotional offer I received promising XXXX XXXX XXXX and XXXX Premier Qualifying Points ( PQP ) upon reaching the minimum spend requirements. I met the minimum spend requirements and received the XXXX XXXX XXXX, but never received the XXXXXXXX PQP. Chase customer service is now telling me that the promotional offer I signed up for only included XXXX XXXX. They confirmed that the XXXX XXXX + XXXXXXXX PQP signup bonus was a valid promotional offer from XX/XX/year>- XX/XX/year>, but that, according to their records I signed up for a lesser offer that only included the XXXX XXXX. I'm absolutely certain that is incorrect because my primary motivating factor for signing up for this credit card was the PQP. If it is correct, they are using deceptive marketing tactics to target and attract credit card signups but then executing those signups with lesser promotional offers than consumers are expecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Checking or savings account

I opened an account in XXXX Citibank branch at XXXX. The branch teller XXXX told me if I opened account I can get XXXX cash bonus when I keep XXXX in 60 days. So I opened accounts and finished their requirement. I also received Citibank email to confirm my account will receive the bonus in 30 days at XXXX. Between 30 days I contacted their customer service to double confirm I will get pay soon. I wait for the last day to get nothing still. I called them again, but they changed story now. They said I already got pay for a XXXX thank you points. So they denied my XXXX bonus. What? I never received any thank you points. And I didnt even enroll XXXX thank you points offer. So I went to the XXXX branch where my account opened. Another teller told me XXXX not work here anymore. He didnt know what happened. So I felt I was been treated like football. They kicked me each other. I think they offer me this promotion to me, they should honor it.
Product: Credit reporting or other personal consumer reports

Indirect response to the CFPB and their lawsuit against Equifax credit reporting for ignoring consumer documents and evidence submitted with disputes, allowing previously deleted inaccuracies to be reinserted into credit reports, providing confusing and conflicting letters to Consumers about the results of its investigations, and using flawed software code which led to inaccurate credit scores to which my credit score is still inaccurate as of XX/XX/year> despite the overwhelming positive information it contains or displays. I have repeatedly over the past 5 years disputed the same accounts to no relief or avail and have been discriminated against heavily and unable to obtain viable credit from any source due to the information and inaccuracies that remained unfixable in my consumer report. In alignment with the current CFPBs lawsuit I submit these attachments.
Product: Debt collection

Nationstar has filed foreclosure without standing or jurisdiction. 
Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. 
Nationstar filed foreclosure relying on a nonnegotiable instrument. 
Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. 
Nationstar breached any and all contractual obligations and is liable to me for damages. 
Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. 
Nationstar is liable to me for breach of contract. 
Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. 
Natoinstar has violated TCPA on multiple occasions. 
Nationstar has violated FDCPA and continues to do so. 
Nationstar has filed false credit reports. 
Nationstar charged for an home inspection that did not occur.
Product: Debt collection

I have disputed an invalid debt that appeared on my credit report from XXXX XXXX XXXX that was opened as a collection on XX/XX/XXXX. The debt was through Enhanced Recovery account # XXXX for {$2100.00}, XX/XX/XXXX. This item was rightfully removed from my credit profile. This debt then reappeared XX/XX/XXXX was removed, and again through XXXX XXXX with a different account # XXXX, and amount {$2100.00} on XX/XX/XXXX. I was able to remove this item again, as it was obviously fraud by both agencies. This item then reappeared on XX/XX/XXXX, from XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 card

I opened a new first card with Discover only to have them restrict my ability to pay my balance. Its a prepaid SECURED card with a {$500.00} deposit and credit limit. The current balance owed to me is {$500.00} minus {$310.00} which is {$180.00}. My earned cash back bonus is {$31.00}. 

Discover revoked my personal bank account as a payment option and did not explain why. 

They blamed 'issues with the website ' but that can not be taken at face value. 

I decided to close my account because of the hassle and they are making me wait on hold inexplicably in order to do so, they dont provide an option to close the account online, they limit the number of payments you can make within an arbitrary timeframe through various means, and they tired to get me out of an additional entire " balance '' payment over the phone. 

There is no option to close the account online and the wait time in total was over XXXX minutes. 

I am requesting the CFPB monitor this corporation very closely and forward this complaint to them, Discover, in case I need to take a trip to Maryland where they are based and speak to them in person, so you can update this complaint in the future. 

These excuses Discover gave me could easily be a customer harassments technique but if Discover does not close my account with them, assess no fees, and does not live up the exact words of their phone conversation I will be paying them a special visit in court or in their face. Ive been meaning to travel to the DC area. 

XXXX. No confirmation number provided for account closure of phone call made today at XXXX XXXX. Rep says they 'dont give them ' XXXX. Representative said they would send letter out with confirmation of account closure XXXX. The representative said there are XXXX people who handle account closures so I asked why their Interactive voice system forwarded my call to him in particular when he said he would have to forward my call to another department after waiting on hold, then he revealed that he could indeed close the account himself. 

XXXX. The company said XXXX calls are recorded ' 7 days to get balance of {$180.00} is what the rep said. this is by mail. 

XXXX billing cycles XXXX days to get {$31.00} 'cashback ' by mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.
Product: Debt collection

I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I purchased an item on XXXX which is a mobile phone application for selling and buying various items. After purchasing, the seller canceled the purchase and raised the price due to them " realizing '' their item is worth more money than what I originally paid for. So since I originally paid for the item before the cancellation, the money was deducted from my Bank of America checking account. And I wasn't able to afford the new price because it would take a day before the money from the original purchase would be refunded to my bank account. So the seller encouraged me to send them money through XXXX, which is a money transferring service I can access through my Bank of America account. The seller offered me a lower price of {$550.00} which I could manage to pay until I received my refund for the original purchase. The seller has XXXX through Bank of America aswell. So i transfer the {$550.00} to the seller through an email that they provided me. Everything goes through and I receive an email confirmation from Bank of America stating that the transfer was successful. After the transfer, the seller responds by thanking me and giving me shipment details, hours later the seller forwards me an email from Bank of America stating that the email I sent the money to was removed from their account. So the seller says they can't see any money in their bank account. However, when I call Bank of America they confirm that the transfer was successful and was deposited into a Bank of America account under the same name and email as the seller. But the seller denies being able to see the funds in their account. On XX/XX/2020 I continue to work with the seller to try and find a solution, and they seem genuine and seem like they're trying to help, but whenever I suggest that we both get on the same call with Bank of America they always avoid the question and tell me to call and get it figured out on my end. So we don't make any progress on XXXX, XXXX 2020, and then on XX/XX/2020 I try to get in contact with them through email and they stop responding altogether, I also check their account on XXXX and they've re-posted the item, trying to sell it again. I've tried multiple times to get help from Bank of America but they say they can't do anything about it because I authorized the transfer. I opened a claim for them to basically call the owner of the bank account and ask them to release the funds but they may choose to keep them if they wish. So there really is no sure way to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, Equifax and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXXXXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 I contacted Cashapp with concern of not receiving funds after inputting the correct bitcoin address. They even told me that my bitcoin address will change each transaction but when it did start working the bitcoin address never changed. 

My bitcoin address XXXX {$200.00} was attempted to be sent and it did not work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account Name : ALLY FINANCIAL Account # XXXX / Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violented my rights. 

15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. EXPERIAN and XXXX have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
Product: Vehicle loan or lease

I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. 

Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. 

I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. 

I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.
Product: Credit reporting

Some woman bought mattresses ( or something else ) from XXXX XXXX and gave my name and XXXX address as the buyer. I am not the buyer, the signature on the bill is not mine, I was not in the US at the time ( I live most of the year in XXXX ), the credit cards she gave are not mine, the address to which it was shipped is unknown to me. This is patently fraud and I do n't know how a reputable business could have accepted the purchase. I found out about this when I arrived at my XXXX address on XXXX XXXX, 2015. I had n't been back since XXXX 2015. I have notified Experian and XXXX.
Product: Credit reporting or other personal consumer reports

Wells Fargo Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

XXXX XXXX XXXXXX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XXXX, XXXX  Dept of Interior XXXX Inquiry Date : XXXX, 2023 XXXX Bank Delaware Inquiry Date : XX/XX/2023 XXXX XXXX XXXX Inquiry Date : XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

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

This is Flagstar Bank. Flagstar Bank has now reported me late payment twice now for XXXX and XXXX. I have made every payment on time. My problem is in XXXX, my boat has been up for sale and actually sold today, however the XXXX payment went through the cracks because my wife had major XXXX for her XXXX that she had and also I did not think I had to make the payment as my boat was up for sale and the loan would be made whole. I did make the XXXX payment on XX/XX/XXXX and made the XXXX payment on the XXXX. I apologize for making the XXXX payment late however I have a lot going on and my boat was up for sale as well but I did make the payment. I reached out and made a dispute with XXXX XXXX in which was denied by Flagstar. I called Flagstar and spoke with a supervisor who was very rude and was not able to assist me, I asked to speak to someone above him in which he said there was no one else I could speak to and said Im here all day and hung up on me. I would like to file a complaint against Flagstar Bank as they have negatively affected my credit score. I am asking that because I have made all my payments on time throughout the course of having my boat I ask for this to be resolved with my credit score and the late payments to be taking off my credit. My credit is very important to me and I have shown to have excellent payment history. Also Flagstar will also be made whole in their loan as my boat has just sold today. I would like to speak to someone about this further ( XXXX ) XXXX. I would like this resolved ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a vicitim of identity theft I have contacted EQUIFAX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( XXXX XXXX XXXX ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. XXXX {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. XXXX {$180.00} opened XX/XX/XXXX original XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XXXX