23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XXXX  and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Product: Credit card

I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.
Product: Credit card

Im very displeased with Synchrony Rooms To Go credit card. I purchased my furniture in XXXX of XXXX, did 24 month interest fee promotion. My monthly payments are {$130.00} a month. I have MADE every payment ON-Time. I make my payment bi-weekly. As of XX/XX/XXXX I made my 1st bi-weekly payment {$69.00} in XXXX, and the remaining {$70.00} on XXXX. I called Synchrony on XXXX when it showed I hadnt made my XXXX. I was told they can see I made my payment on-time and not to worry, I will be fine. Well that wasnt true because on XXXX I was charged {$30.00} late fee. I called back on XXXX spoke to a Supervisor who stated they will remove it and I will be fine. On XX/XX/XXXX I called back because it still was showing up, Im continued to get emails, and phone calls. Today on XX/XX/XXXX I received a letter stating that my {$3000.00} credit limit has been reduced, AND my monthly payment went from {$130.00} to {$230.00}. There is no reason WHY my payment went up an EXTRA {$100.00}. I have UNTIL XX/XX/XXXX to pay the remaining balance of {$1800.00}. This is violation of FRCA.
Product: Checking or savings account

Bank of America has denied my claim against a company called XXXX. They offer a land acquisition course and the ability to submit and partner with them on residential development land acquisitions. The problem occurred when I went through the courses and researched and submitted a land deal and was finally told almost a month later after several inquiries with the company as to whether they had received and reviewed my submission that they don't do deals in California. When I signed up the company knew that I was in California. I have been in XXXX XXXX for over 20 years and don't take investments into furthering education courses lightly. I know that these investments in education can produce great results as far as a return on your investment by gaining valuable knowledge. However, to be casually told after little to no response during the month after the submission that they don't want to work with California deals was shocking and stressful. The course cost {$15000.00}. XXXXwo transactions, one for {$9900.00} on XX/XX/2022 and one for {$5000.00} on XX/XX/2022. 
BofA has a dispute dept that closes each day at XXXX EST. You are only allowed to fax in proof of your claim, which I did. You are not allowed to speak or email directly with the dispute department ever. You can only call a Customer Support number which then will send notes over to the dispute department. BofA said that they denied my claim because the company provided the services that I signed up for and they closed my claim twice and now have marked it as resolved. This is no where near solved and the company didn't provide the services that I signed up for. I have been a customer with BofA for over 30 years and there is no protection and very little investigation into this claim on my behalf by BofA. $ XXXX is not chump change. It's significant and my investment of time and money has been completely disregarded and dismissed very casually.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXXXXXX I called XXXX XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX report but on Equifax report it is still there. I have attached pictures to show it was removed from transunion. Equifax it never came off.
Product: Debt collection

Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. 

COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}
Product: Checking or savings account

We mailed our rent check to our landlord on XXXX XXXX XXXX. On XXXX XXXX, XXXX a different, unknown woman cashed our rent check at a XXXX XXXX XXXXXXXX, after she scratched out our landlord 's name and listed her own name in the payee line. We did not learn of this until the end of XXXX when our landlord told us he did n't receive payment. We looked up the check and say from the photo of the deposited check that someone has stolen our rent payment. The landlord then forced us to pay him immediately. We sent an affidavit to Chase describing all of this with the check photo on XXXX XXXX, after calling them. Since then they have learned it was a woman who cashed the check at a XXXX XXXX XXXX branch. They are refusing to refund our stolen money until 90 days from when we reported the loss. They are refusing to contact XXXX XXXX XXXX XXXXo in any way expedite XXXX XXXX XXXX XXXXs action to reimburse them. Still, as Chase customers, we should not be out this money. They should insure us from thieves. Otherwise, what is the point of a bank account. We would have been better off keeping cash in the mattress. We also filed this case as a XXXX crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified letters to XXXX, experian, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, experian, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
Product: Credit card or prepaid card

My money still has yet to be sent to me a d they are taking their time giving me my funds back fir my XXXX claim and my for XXXX and XXXX one of those are approved already and says resolved but its not currently checkin my account and nothing and anyone can look in my account and see that I need my funds and this bank needs to be sued and shut down but also I need my situation fixed and attended to now I cant wait any longer I. Fought the bank over 6 months and my credits are permanent so can I please get my funds before I take every legal action I can take on this matter against Bank of America once claim is approved funds should be sent back to our accounts the negative balances is on the bank once claim is honored and approved I want my money and not In the next month I need them now
Product: Debt collection

A company called XXXX XXXX  XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.
Product: Debt collection

XX/XX/2023 XXXX I phone call was made to citi cards its say account can not be verified I would like them to delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$650.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$27000.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX, XXXX XXXX  {$9500.00} XX/XX/XXXX, XXXX XXXX XXXX {$5800.00} XX/XX/XXXX, XXXX XXXX XXXX {$950.00} XX/XX/XXXX, XXXX XXXX XXXX {$400.00} XX/XX/XXXX, XXXX XXXX  {$220000.00} XX/XX/XXXX, XXXX XXXX  XXXX {$220000.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$220.00} XX/XX/XXXX, XXXX XXXX/XXXX  {$400.00} XX/XX/XXXX. I have reached out to each individual creditor listed above letting them know that I have never opened, used or applied for any of these accounts. I have filed an ftc report and they refuse to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX mazuma credit union 2014 ford XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing clear evidence of the inaccuracies in the above referenced account and requesting its removal from my credit report, [ EQUIFAX XXXX has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ EQUIFAX ] include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Please reopen this case. XXXX closed it before they even received my documents/ proof. 
Please see the attachment. 
The dates do not match, I did not sign this or have it notarized ... The entire thing paints a clear picture of forgery and fraud. 

This is not my signiture, I sent your company proof that it COULD NOT be my signature ( as I was out of the country on federal government work ). 
Also, you have not addressed why my credit report now shows Im on a New 40 YEAR mortgage with my ex-wife. 
I need any and all paperwork regarding this.
Product: Credit reporting or other personal consumer reports

I have been paying them for credit repair for months no letters from them no answer when call them NOTHING and I tired to stop and dispute charges from my card no luck had to literally cancel my card to stop them from taking money with no results from anything XXXX  had to block them
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the  car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.
Product: Checking or savings account

I have had this account for over 10 years. And out of nowhere a hold was put onto my account and I have not been able to get money out or pay my bills. The reason I was told was because they didnt have my social security number on file. But when I opened the account I did so in a branch location with my social security card and government ID. So upon learning of the hold I went to a branch location and provided them with my social security card and ID but they still wont unfreeze my account. They wont even let me close my account so I can access my money. I am taking a hit on my XXXX XXXX because I cant pay my bills and I have not been giving any legit timeline on when I will be able to have my money. They cant even tell exactly why the hold is still there! So until they fix this I will be without money and have no ability to cash checks.
Product: Money transfer, virtual currency, or money service

Found old Bank account number which is unavailable right now. Upon retrieval of this personal information I went to Bank of America in which XXXX XXXX was supposed to be either in a savings account or attached to the account number. Customer serventice then informed me of account being closed without my permission. This was to be a payment for my painting titled XXXX.
Product: Debt collection

My information was compromised by my ex and unbeknownst to me opened up credit cards in my name. I tried to go thru the companies fraud department but they would not listen to me and they have since sold the accounts to a collection company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted Asset Acceptance and I requested that they validate the debt and I got no response. I also requested that Asset Acceptance remove this debt from my credit report and they refused.
Product: Credit card

ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT.