23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was closed in XXXX of XXXX. In XXXX of XXXX we received a statement for a balance due for equipment. We returned all equipment. XXXX months later a collection agency put the amount on credit reports. We showed the equipment was returned and the collection was removed in early XXXX by Credit Protection Association ( collection agency ). 

In XX/XX/XXXX the collection from XXXX showed up on my credit again. This time reported as new, even though the original claim was from XXXX. I have tried to work with both Convergent and XXXX and neither are acknowledging that the debt was related to equipment, nor that this is being reported inaccurately. By re-reporting the same debt from XXXX in XXXX, they have damaged my credit score and ability to purchase a home.

I have now been told this was not for equipment but rather for services. If I had been told this was for services in XXXX I would have paid it. But I was told it was for equipment, validated equipment returned, and collection was removed. I have since paid the amount in full since XXXX provided a breakdown of the final balance due. However, by falsely telling me two years ago this was for equipment and agreeing I did not owe it, I am not being penalized by the resurfacing as a new collection. 

Date is XX/XX/XXXX Reported on XX/XX/XXXX Originally reported on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Statement on XX/XX/XXXX references equipment. Removed in XXXX following conversation with collection agency. 

Currently reported by : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Debt collection

XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/2022 Re : XXXX XXXX XXXX, acct. # XXXX. 

Complete Care : This is to inform you that a bill you sent me in the amount of {$130.00} is not supported by information that you have provided to my insurance carrier or myself.

Your bill does not identify the actual date ( s ) of service, the provider of service, or the item ( s ) of service for which you claim I owe you.

I have contacted my insurance carrier, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX, and filed a complaint regarding this bill, case ID XXXX. 

I am asking you to suspend your collection activity pending resolution of my complaint. 

XXXX XXXX, XXXX XXXX XXXX. 
Cc : XXXX XXXX, Attorney General of Texas, Consumer Finance Protection Bureau.
Product: Credit reporting or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$2400.00} I called the company and told them that this was not my account and the name on the account I hadnt used in 20 plus years and I had never had an account with XXXX Bank. She asked if I was going to settle the account and I said no it wasnt mine and gave me the info to file here.
Product: Credit reporting

all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry
Product: Credit reporting or other personal consumer reports

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to Transunion to correct the issues on the consumer report that are incorrect and have not been validated with my original signature and they have yet to provide the proper documents to keep the information on the consumer report by law. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I am formally requesting that the late payment information be removed from my report as it is incorrect for the following accounts Best Egg- was never late and payments were made on time and are reporting incorrect Navy Federal Credit Union credit Card was never late and has incorrect balances Capital One Credit card was never late and has the incorrect balances Capital One credit card Platinum was never late and has the incorrect balances
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
Thank you.
Product: Checking or savings account

Wells Fargo over charges, Wells Fargo holding a check which was paid by my employer causing payments to not go through
Product: Credit reporting or other personal consumer reports

an accordance to the Fair Credit Reporting act XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXXXXXX 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: Debt collection

This account XXXX  account # XXXX if flagging my account every month causing my credit score to drop I reached out to the original creditor and they wrote back stated they sold this account to Velocity Investment and they were no longer responsible for this account. Im reaching out to ask Velocity to stop flagging my account this account was discharged in bankruptcy as I added Velocity and the original creditor to the bankruptcy my account being flagged every month is hurting my ability to rebuild credit Im asking Velocity to either remove this account from my credit report. I will attach the the response from XXXX  to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" WELLS FARGO BANK '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if Wells Fargo is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXXfollowing a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and EXPERIAN reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Mortgage

I submitted an application to Amerisave to get a preapproval for a home purchase. I have been working the past few years to improve my credit score and finances after some prior medical issues caused a bankruptcy and foreclosure. The loan officer ran credit and went through the process to verify income and said my credit score was fine and income was instantly verified online so I was quickly preapproved. I questioned to make sure the BK and foreclosure were not a problem as I didn't want to run into issues with the purchase. He assured me we were good to go and provided a preapproval letter along with a {$1500.00} closing guarantee and at that time I paid the {$500.00} application fee to lock in the rate. I was able to get under contract on a house with this preapproval letter and paid {$250.00} option fees and {$2900.00} in earnest money. I also paid {$650.00} for a home inspection. Everything was proceeding smoothly until 10 days prior to closing when I got a call from the loan officer to let me know that they can not proceed with the loan because of the foreclosure. He claimed that he didn't know it was going to be a problem and there is nothing he can do. He said he would look into getting me a refund for the {$500.00} fee and I asked about the {$1500.00} guarantee as well. At this point he stopped responding to my calls and emails. After several attempts I called the main customer service number and was able to get a call back from his manager XXXX XXXX who agreed to get me the {$500.00} back but couldn't help me with the {$1500.00} claim since they didn't know about the foreclosure and that " there was no way for them to know that up front ''. This doesn't make sense since I told them and was clear up front about the situation. He wasn't able to help so he referred me to the VP of sales XXXX XXXX. XXXX was no help either saying he doesn't have the authority to pay that but would have customer service look into it. I waited another two weeks and didn't hear back so I called customer service again and they referred me back to XXXX who again said it wasn't their fault they didn't know although I clearly told them up front. He said he would have XXXX call me but I haven't heard from him. 
This whole process has been so frustrating and embarrassing, I got my family ready to move only to have to change plans at the last minute. I had already set up utilities, school enrollment for the kids, started packing up our current home and booked movers. I lost out on the {$250.00} option fee and {$650.00} inspection cost as a result of their mistake of providing me with a preapproval and false hopes and now are not standing behind their guarantee.
Product: Bank account or service

On XX/XX/2016 fund was taken from my account with Comerica Bank, direct express debit card account for the second time, it is now XX/XX/2016 and I am yet to have my account refunded, Bill are behind, I am a XXXX Veteran who depends on these funds for my livelihood, this bank do n't care about it 's customers.
Product: Money transfer, virtual currency, or money service

A group of people hack my cash app and stole my money and then they took my information and sold it and hacked my XXXX XXXX account created lots of profiles asking people for money in my name and block me from XXXX XXXX cash app and XXXX purchasing items online through email internet transaction I have screen shot of the group people they are fraud and scammer hackers
Product: Credit card or prepaid card

A payment has been paid but has not reported to credit reporting causing an Inaccurate score
Product: Payday loan

XXXX XXXX XXXX at XXXX, XXXX XXXX, calls claiming to represent Cashnet. I have not received written documentation from this company, only a verbal claim that they represent CashNet USA. 

Even worse, this man called my son on his cell phone! My son is in no way connected to this situation. Yet this man threatened him with legal action, garnishment thru his employer and more. 

Is a debt collector permitted to call any number he so chooses??? 

Please also note that I have contacted CashnetUSA a number of times over several months asking for written documentation as to whom represents them. I have not rec ; d anything. 

Is it not my right to know whom I should pay?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX XXXX reported a late payment in XX/XX/ has violated my rights. 
15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5800.00} XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$8200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

I purchased from XXXX on XXXX/XXXX/16 XXXX camping cots from a company called XXXX. These cots sell for {$34.00} for XXXX and can be purchased in lots of XXXX for {$68.00}. I purchased XXXX lots of XXXX at {$68.00} for a total of XXXX cots at a cost of {$130.00}. Even though these cots were purchased in lots of XXXX they were shipped separately. There was XXXX shipping label per box with only XXXX cot in each box. I only received XXXX boxes with XXXX cot in each for a total of XXXX cots and XXXX cot came damaged. I put a dispute in with Citie. I explained thru photos I can prove that only XXXX cots were delivered. I asked if their was a chance Citi would settle without contacting me. I was assured that i would be contacted. Guess what? Citi settled with the merchant because they showed XXXX shipping labels. Its amazing that XXXX and Citi ca n't make this right. I ca n't even imagine why the merchant would n't know their cots were shipped separately unless this is diliberate fraud
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX XXXX, and XXXX. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that XXXX, Equifax, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.
Product: Credit card or prepaid card

Fraudulent transaction was posted on my HSBC card in XX/XX/2021. I reported it as fraud for the investigation. Account was closed and new account was opened with balance transferred to new account. After multiple calls over months I could get late charges and balance removed last month. I also got letter about collections. Now I see balance back on closed account and statement to pay balance of fraud transactions. Over months this is been very frustrating experience without any communication from HSBC about investigation or conclusion except for asking for payment. I feel this is not fair action from HSBC to collect money reported as fraud. I need help to resolve this problem. All my attempts have failed to resolve this issue. I have all the documentation of chat and mails.