23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've been an American Express ( AMEX ) credit card holder since XXXX. I had XXXX XXXX, Delta Airlines, and Hilton Honors AMEX cards for a number of years. I have been pretty satisfied with these cards that allowed me to earn points/miles toward store purchases, airline tickets and hotel stays. However, I am not so satisfied now after I've been misled ( tricked ) by AMEX promotional offers not just once but twice. At the beginning of summer XXXX, I received several promotional ( mail and email ) offers about my Hilton Honors card, inviting me to earn XXXX bonus miles by adding an additional card member to my existing account. Unfortunately, this offer was false because we did not receive any bonus points after my daughter was added in XXXX and started using her own card right away. Sometimes in the fall, I called AMEX customer support and was told that I added my daughter too early before this promotional offer was in effect. At first, I didn't feel like arguing with them, even though I was receiving this same offer for months in the mail and also via email. Soon after, I received an identical offer for my Delta card, and again, I was tricked by the promised XXXX miles for an additional card member. My daughter has been using both her cards and spent more than {$500.00} on each in less than 6 months, but still, no bonus points have been received to this day. The most disappointing part of this experience was that multiple representatives of AMEX were openly lying to me on the phone, trying to make me believe that it was all my fault because I had not pressed the right button on the electronic promotion or did it at the wrong time, etc. One of the representatives tried to offer me XXXX bonus miles instead of XXXX total as a " one-time courtesy. '' The most disappointing part of all of this is that I never received any formal response from them but they've told me on the phone that my case was opened and closed almost immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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. 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 XXXX as proof from the US Federal Trade Commission that all 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

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This complaint is to determine that XXXX XXXX XXXX has committed Securities and Social Social fraud. 
Loan # XXXX I am conditionally accepting your contract in that letter of a {$8900.00} balance remaining on the above-referenced loan upon PROOF OF CLAIM THAT : 1. The funding of the loan did not come from the promissory note/agreement I had signed on XX/XX/year> ; 2. You did not deposit my promissory note/agreement into an account from which checkbook money was created, thus making XXXX XXXX a depositor to whom the funds were owed ; 3. XXXX can demonstrate that they were put at risk by extending the above-referenced loan to me ; 4. XXXX was/is or will be damaged if the above-referenced loan is not repaid ; 5. The interest and fees added to this alleged debt are not usurious ; 6. XXXX is not in violation of the Fair Debt Collection Practices Act 15, Section 1601, 1692, et seq.,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccountsXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously disputed debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Checking or savings account

AFTER FILING COMPLAINT WITH CFPB, THE BRANCH FALSIFIED A VERY SERIOUS COMPLAINT ABOUT ME AND MY COMPANY. THEY HAVE GIVEN ME A 30 DAY NOTICE AND WILL SHUT ALL MY ACCOUNTS! THEY REFUSED SERVICE AT THE BRANCH WHEN MY MANAGER WHEN TO DEPOSIT OVER XXXX IN CASH YESTERDAY. I HAVE DEALT WITH DISCRIMINATION, NOW DEFAMATION AND JEOPARDIZING ALL MY ACCOUNTS BEING SHUT DOWN! I SPOKE WITH A GUY INCHARGE OF SECURITY? I BELIEVE HE SAID HIS NAME WAS XXXX HIS NUMBER IS XXXX. 

I AM BEING PUNISHED FOR FILING A COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX  XXXX  and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 my 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 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.

EXPERIAN 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: Mortgage

Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car last year around XXXX of XXXX and they said my scores were XXXX low needed a co signer so I started checking my credit report. So I'm going to copy past into this. 
XXXX  XXXX  XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : CHARGE ACCOUNT Date OpenedXXXX Responsibility : Individual Account Account Type : Revolving Account Balance : {$590.00} Date UpdatedXXXX Payment Received : {$0.00} Last Payment MadeXXXX High Balance : {$590.00} Credit Limit : {$300.00} Past Due : > $ XXXX< >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX< Pay Status : >Charged Off< Terms : Paid Monthly Date ClosedXXXX Remarks : UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removedXXXX I was incarcerated at this rime. 
I froze all my credit from XXXX XXXXXXXX sagestream core logic, ars etc
Product: Payday loan, title loan, or personal loan

I requested a loan fro Pacific Western Bank for the purpose of getting a loan. 
XXXX XXXX the underwriter asked me to send her a list of documents. 
I submitted the documents and didn't hear back from XXXX for over a month. I sent emails for an update and I called a few times to confirm she got everything she needed and to see why she never responded back if she needs anything else for the loan or if we can move forward. 
When I was finally able to get a hold of her over the phone. She said to me " You people can't be trusted, you look for another Bank to do this loan for you ''. 
This sounded to me as a XXXX comment. denial without even reviewing my file!? 
I requested to speak with XXXX 's manager which she ignored me again and refused to provide me with his contact information. 
I was able to get her manager contact information from a different rep at the bank. 
I spoke with XXXX XXXX XXXX and told him what happened, he said he will investigate and call me back. 
I got an email a few days later which give me a whole new excuse of why they did not move forward with the loan. claimed that my construction company has a lawsuit against it, therefore they will not take the loan. I explained XXXX that we are doing many project a year and as the nature of every busy business, we will have some complaints. However, we are taking care of all complaints and this has nothing to do with the loan since I am being the guarantor. 
At this point XXXX was defending his co worker and he just kept attacking me. 
XXXX XXXX, XXXX is the company I applied the loan for. 
XXXX XXXX, XXXX is one of my construction corporation which has a bank account with pacific western. Before the bank opened the account, they investigated the company to make sure it is in a good standing and their will be no issue to open the account. 
If Pacific bank felt that there is something wrong with the business standing, they wouldn't have opened an account for my business. They even asked for references before they agreed to open an account for XXXX XXXX. 

I can provide proof of emails in case you need it.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.
Product: Credit reporting

Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, Experian is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give Experian written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Bank Account XXXX XXXX Account Name : XXXX XXXX  Account # Unknown Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX ( XXXX Only ) That , 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that 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 antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that 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 ; Affiant further sayeth not. 

/s/ XXXX XXXX XXXX Representative for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to reference original complaint number XXXX that was submitted on XX/XX/2022. The data furnisher/creditor has failed to respond in the mandated XXXX days given to them as law by the FCRA, and I'm requesting that this item be removed from the following credit reports : XXXX, XXXX and XXXX immediately .
Product: Student loan

Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to express the profound impact that recent events have had on my life, stemming from inaccuracies in my credit reports held by XXXX, XXXX, and TransUnion. Under the protections granted to me by the FCRA and FDCPA, I submitted a notarized affidavit to each agency to rectify these errors and uphold my rights to privacy and fair treatment under the law ( 15 USC 1681s-2, 15 USC 1692c , 15 USC 1681c ( a ) ( 2 ) ( B ), 15 USC 1681e ( B ) ). 

Regrettably, despite my efforts, I have yet to receive any resolution or acknowledgment of my disputes. This lack of response has not only deprived me of my legal rights but has also caused significant XXXX. When attempting to follow up on my submissions, I have been disconnected and faced persistent issues accessing my accounts, exacerbating an already challenging situation. 

The repercussions have extended beyond mere inconvenience ; they have impacted me financially and emotionally. The uncertainty surrounding my creditworthiness has caused undue stress and mental anguish, affecting both my personal and professional life. 

I am reaching out in XXXX hope of receiving the necessary assistance to address these matters promptly. It is my XXXX desire to be treated fairly and equally under the law, to be provided with the remedies I am entitled to, and to rectify this situation without further delay. 

I kindly request immediate attention to this urgent matter and look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On XXXX reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on Equifax reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to correct my name and addresses, but as of today, they are still present in my most recent credit report.If these inaccurate names and addresses are not deleted, I will submit a XXXX  complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Down below I have placed This creditor below because I know nothing of this account, and I am a bit bothered that although I spoke with all 3 bureaus nothing still has not been done about this being on my consumer report. Consumer law states that not only shall the Information that is placed on my consumer report be XXXX percent accurate but also 15 U.S. Code 1681e - Compliance procedures, A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). 

XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number XXXX Account Status Open Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Charge Account Responsibility Individual Remarks Times XX/XX/XXXX Days Late XXXX Months Reviewed XXXX Term Source Type Provided High Balance {$360.00} High Credit {$150.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report. 
Credit XXXX # XXXX - XXXX and XX/XX/XXXX Capital XXXX # XXXX - XX/XX/XXXX These late payments could not possibly be accurate, for I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Enclosed is a copy of the order setting the conditions of my release signed by a United States XXXX XXXX and the Deputy Clerk from the United States XXXX XXXX for XXXX XXXX XXXX XXXX Pennsylvania. I was under federal detention for XXXX years straight, so I respectfully request that you immediately delete/remove the late payments from this account being as though I was incarcerated under federal detention. I am also enclosing a copy of my Pennsylvania I.D . and a copy of my credit report. 
I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my XXXX XXXX despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX WELLS FARGO CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}