23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an American express Gold card, Not a XXXXXXXX XXXX XXXX. I have spoken over 3 agents to ask for XXXX points because I was led to believe to received them. On XX/XX/2023 I asked an agent if my card To receive these XXXX points you would have to spend over $ XXXX USD So thats what I did, however Amex refused to give them to me and I spent a total of $ XXXX believing I would receive so. I have asked over 2 Times on XX/XX/XXXX and was ghosted by 2 agents. I still have no answer why I haven't received my XXXX points as it has been over 12 weeks since i spent over my $ XXXX on this card. If I don't receive my XXXX points or at least $ XXXX in cash redemption since i was lwd to believe that i would receive XXXX points if i spent $ XXXX I will take Amex to a small claims court.
Product: Checking or savings account

Back in XXXX of 2024 I had sent {$500.00} to a person who was impersonating a seller on XXXX XXXX, the payment was sent via XXXX, I had enough proof to show that it was a scam, provided the information to my bank, Capital One, and my claim was still denied. The information provided was someone that was impersonating this individual, upon research and through a reverse number search this individual lives in Texas. They used a secondary phone number to send an automated text showing the XXXX will be returned ( please see screenshots ).
Product: Debt collection

On XX/XX/XXXX I spoke to XXXX XXXX at Sonnenschein Financial. He told me about a red light photo ticket and said he was calling to get it paid. 

I asked him for verification of debt. He got very angry and told me he was putting this on my credit report today if I didnt pay. He also told me I would get my VOD in minutes. I also never received a dunning letter. 

I never received the verification of debt and through research I found a multi- settlement between states and CRAs regarding these tickets stating that they would not be reported to CRAs any longer. So he lied to me. 

Although the FDCPA does not apply to this situation, he broke several provisions and UDAPP violations along the way with harassing and unreasonable requests. 

Lastly, when I asked him if these calls were recorded he told me he was done with this conversation and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Ad XXXX of XXXX Description 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX. 
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 reporting or other personal consumer reports

On XXXX I filed a complaint XXXX with the CFPB. In the complaint I stated : A review of my credit report shows I have a closed secured XXXX XXXX  XXXX credit card. When I reached out to XXXX XXXXXXXX XXXX to let them know I had not received my deposit back after the account was closed, they told me they don't have any records of me ever having an account with them. I explained to them the account is showing on my credit report and if they are saying I have never had an account with them I would like for it removed. XXXX XXXX  XXXX told me I needed to file a dispute with the credit agencies. I filed several disputes with which led to XXXX deleting the account. Experian and XXXX has refused to remove it as they and XXXX XXXX XXXX has returned it as verified. This is a violation of The Fair Credit Reporting Act. All information is expected to be 100 % accurate. 

As of XXXX Experian has not completed their investigation nor have they provided any status update. The Fair Credit Reporting Act states all investigations must be completed in 30 days. Experian has failed to comply with this law.
Product: Credit reporting or other personal consumer reports

I recently review a copy my credit report and noticed that I HAVE FRAUDULENT accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint because I have had several issues with the XXXX, Transunion, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Product: Vehicle loan or lease

Kia Motors finance shows my account as 69 days past due. I have been making constant reoccurring payments toward a past due balance on the account since XXXX. Last month I paid over XXXX dollars in a 30 day period. Kia is not applying these payments to the oldest past due therefore it shows that I havent made a payment since XX/XX/XXXX on their website. I spoke with a rep via phone today. They do not acknowledge these payments and are still saying I am 69 days past due. They said I need to pay the full past due soon or Ill get repoed. I only owe a remaining XXXX dollars I should only be 39 days past due. I have made arrangements to pay the remaining balance which includes the current not past due balance of XXXX dollars. The woman on the phone from Kia threatened repo. She was XXXX and I could barely understand her due to the noise in her call center and she could barely speak XXXX. I have an autistic son that Ive been paying out of pocket for therapy on. He must have the therapy. My insurance only recently began paying for his therapies due to my getting a new job. Kia motor finance was told this via communications on XXXX messenger yet they arent willing to help me out by acknowledging the XXXX dollars in payments since last month. I paid XXXX dollars in XXXX as well. I need help because they are showing me delinquent. I cant lose this car, its the car that gets my son the therapy. Ive been their customer since 2020. Delinquent means you havent made a payment. The account cant be last due since XXXX because Ive made payments since XXXX. Over XXXX dollars in payments. Please help. 

To be clear the account says the last payment was made on XX/XX/XXXX. I am proving screen shots of this and screenshots showing debits from my account.
Product: Mortgage

For our loan, we set a date of XX/XX/XXXX. Our selected lendor ( PNC Bank ) stated, " it will be tight, but we can do it. '' The process proceeded normally, and we were thinking that we were all set to close. My husband made travel arrangements so that he would be there for the closing. My husband was very diligent in asking if there was any information lacking 2 weeks prior to closing. Nothing was stated. On XX/XX/XXXX, my husband again sent an email asking if there was anything else that was needed for the closing. The processor sent back an email stating that he was in the file, and he would let us know. 
We heard nothing back. You can imagine our surprise when late in the afternoon on Friday, XX/XX/XXXX,  our loan officer calls us to let us know that we can not close on XX/XX/XXXX. We were in complete shock. Now, our whole weekend was upset because we had to make different arrangements. My husband would not be available to be at the closing, now pushed back to XX/XX/XXXX. We would need to get a power of attorney. The utilities and other companies would have to be called to move the date back. We were buying a farm, and animals and such would have to make different arrangements for. It was a complete mess. The officer and processor wanted to put the blame on the underwriter, however, they should have been calling and pushing to get the clear to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XX/XX/XXXX on XXXX XXXX that I had a new hard inquiry in my account. Someone used my information to open an account with target without my authorization. Because of this my credit score went down.
Product: Credit reporting or other personal consumer reports

This is the second time that I'm reaching out to XXXX, Equifax and XXXX about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Demand for Immediate Removal of Inaccurate Account Information in Violation of 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representative and CFPB, I am writing to demand the immediate and permanent removal of inaccurate information related to a specific account currently reported in my credit file. This letter serves as a formal notice of violation under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Account Information : Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Balance Discrepancy : {$0.00} on XXXX and XXXX, {$3900.00} on Equifax According XXXX XXXX and XXXX, this account shows a {$0.00} balance, while Equifax inaccurately lists a balance of {$3900.00}. This inconsistency is not only misleading but also a direct violation of 15 U.S.C. 1681e ( b ), as it reflects a failure to ensure that information provided in my consumer report is accurate, complete, and up-to-date. 

The inaccurate reporting of this account and balance has caused significant harm to my creditworthiness and places an undue burden on my financial reputation. I demand the immediate and permanent removal of this account from all of my credit files. 

Specific Violations Include : 1. Violation of 15 U.S.C. 1681e ( b ) : Failure to establish reasonable procedures for maximum possible accuracy in consumer report information.

2. Failure to Ensure Accuracy and Completeness in Reporting : Under FCRA requirements, this misreporting violates my consumer rights and damages my financial standing.

Requested Actions : 1. Immediate and Permanent Removal of the Inaccurate Account from Equifax, XXXX, and XXXX : This action must be executed without delay, in accordance with FCRA requirements. 
2. Confirmation of Account Removal : Please provide a written confirmation that this account has been permanently removed from all my credit files.

3. I demand compensation in the amount of {$1000.00}, per XXXX XXXX XXXX. 

The check can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] This matter is of utmost urgency, and I expect resolution within the timeframe outlined by the FCRA and USC regulations. If this request is not fulfilled, I will escalate the issue, including filing a formal complaint with the CFPB and pursuing additional legal recourse under federal law. 

Thank you for your immediate attention to this serious matter. Please confirm receipt of this letter and provide written verification of the permanent removal of this inaccurate account. 

Sincerely, XXXX XXXX : XXXX
Product: Debt collection

I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct
Product: Credit reporting or other personal consumer reports

it has come to my attention that my personal information has been exposed in a national data breech after reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 'S for validation of debt however the information has not been provided, due to my information being exposed I have submitted a FTC complaint report the information please find attached copy of NPD Report showing my information being named in the data breech
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me a letter on XXXX XXXX 2018 stating XXXX Credit was deleted and has been removed. But I checked my credit and found it is still reporting on my credit please reinvestigate and delete as promised.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1981e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind everything is inconsistent.
Product: Debt collection

I noticed Radius Global Solutions is attempting to collect an alleged debt. I hereby dispute the validity of the alleged debt. I also request verification of the alleged debt, specifically a copy of the original purchase agreement. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 32 year client of CitiGroup. I am disgusted with their discrimination of companies and/or individuals who support the 2nd amendment. This is a consitutionaly guaranteed right and they should NOT be held accountable for other peoples crimes. 

I am equally dismayed at XXXX XXXX XXXX XXXX stance.
Product: Consumer Loan

National credit adjusters, they think I have a non re payed loan with them. I do not.
Product: Debt collection

Midland Credit Management continues to contact my place of business after being asked to remove our number from their call lists. They are continuing to call ( latest call was today XXXX/XXXX/XX/XX/XXXX ) after this issue I had with them last year- see below. I expect them to follow directions and REMOVE our business numbers from thier call list. 
XXXX, XXXX, and XXXX. 
I do not have an account number, no one here has any accounts owed to this collector. No one they are looking for works here. Also, per the Fair Debt Collection Practices Act, a debt collector CAN NOT continue to call a business that has asked them not to call. 

Spoke with XXXX XXXX on XXXX/XXXX/XX/XX/XXXX, he said our number was associated with XXXX different people : XXXX XXXX, XXXX XXXX and XXXX XXXX, none of which are at our number. Said it would be 24 hrs to be removed. However we still received calls so I sent a cease & desist letter drafted by an attorney 's office which they signed for on XXXX/XXXXXX/XX/XXXX. Now a month later & they still continue to call. I spoke with a XXXX XXXX on XXXX/XXXX/XX/XX/XXXX who asked again for XXXX XXXX, I told her to remove our number & do not call again. I do not understand why I am continuing to be harrassed by this company & our business interupted when there is no one here who owes them any money, and they have repeatedly been told this is a business & not to call. 
Please fine this company heavily!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF SEVERAL BREECHES i.e. Equifax All of the following inquires were made fraudulantley : XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX XXXX Veteran and received a VA loan from Freedom Mortgage in XXXX. I lost my job in early XXXX as a XXXX XXXX with the XXXX XXXX in XXXX, Alabama making over {$110000.00} annually due to a closing of the office. I found another position with another company making half of what I was making at {$56000.00} annually plus commission. I applied for a modification with Freedom Mortgage in early XXXX as I was going through a divorce and I was awarded the house and our XXXX children ages XXXX and XXXX. I sent paperwork as requested by Freedom Mortgage from XX/XX/XXXX until I was contacted with an approval in XX/XX/XXXX. I was paying {$1700.00} per month for my mortgage before the modification request and Freedom offered to lower my principle but increased by interest rate from 3.75 % to over 5 % therefore keeping my monthly rate the same and added the back payments which was over {$400.00} per month. The total modification would be over $ 2200 monthly. I had to file Chapter XXXX bankruptcy after receiving this approval to avoid them foreclosing on my home. I have been paying the back amount through my bankruptcy repayment however I am unable to afford the $ XXXX monthly payment and I am now 5 months behind and received a letter from Freedom Mortgage that they want release from the bankruptcy so that they can foreclose on the home. They have posted this pre-foreclosure for investors as I am receiving texts and mail about individuals requesting to purchase my home. This has caused a great deal of stress on me and my children. I am unable to rent anywhere due to my credit and bankruptcy. Freedom Mortgage could not have looked at my financial statements that they requested and determined that I could afford the same amount. This modification was not done in good faith. Again, I am a veteran and I do not want to lose my home with my XXXX children. Please help!
Product: Credit card

T J Maxx credit card. 
XXXX made a {$70.00} payment to TJ Maxx based on the statement which had the minimum payment of {$35.00} a month ( XXXX and XXXX ). Set up electronic payment to pay {$35.00} a month for XXXX months. According to the credit card company Synchrony the payment for XXXX should have been {$80.00} and they have been charging me late fees off that XXXX dollars since XXXX.
Product: Debt collection

I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the credit bureaus XX/XX/2023 and received no change in results of inaccurate information on the XXXX and XXXX accounts that keep appearing on my report Thee reinvestigation I received no change the fair credit act States in 15 U.S. CODE SECTION 1681 I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. 
( A ) In general -if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( I ) promptly delete that information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : [ XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Credit reporting or other personal consumer reports

This marks another instance of reporting identity theft victimization. Pursuant to the Fair Credit Reporting Act Section 605B ( a ), it is imperative that you promptly remove any items opened without my knowledge, consent, or authorization within four business days upon receipt of ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a declaration from the consumer affirming the information 's non-association with any transactions. The following fraudulent items necessitate removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you assert the accuracy and verifiability of these items, I request documentation bearing my signature. However, I maintain that no such documentation exists. In the absence of signed agreements, I urge the removal of these items from my file. It has come to my attention through research that you have a pattern of non-compliance with the aforementioned FCRA statute. Should you choose to disregard my request for account removal, I will be compelled to involve legal counsel. I implore you to avoid escalating this matter into a legal dispute. Additionally, I emphasize the urgency of removing any items or information resulting from alleged identity theft within the stipulated four business days. I do not consent to E-OSCAR or any form of automated verification.
Product: Debt collection

I sent a letter to Simon Agency Inc a month or so ago about some medical collections they're reporting on my credit report and them attempted to collect on these accounts without legally validating these accounts. Please address this matter immediately.