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

frost bank has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized frost bank to report anything to any credit agencies so with that being said under the XXXX that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent XXXX demand letters im now filing a class action law suit against Frost bank, XXXX, and XXXXXXXX XXXXXXXX XXXXtwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XXXX companies has been violating my consumer rights and reporting obsolete information i also gave experian a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Card was reported on XX/XX/2019. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant.
Product: Credit reporting or other personal consumer reports

I looked At my credit report on XX/XX/XXXX and XXXX XXXX  are still reporting inaccuracies of information reported/updated invaild an inaccurate information shall be verified not updated OPEN DATE ON THIS ACCOUNT WAS XX/XX/XXXX ( XXXX ) REPORTING AS CHARGED OFF AND CLOSED. AS OF XX/XX/XXXX THIS ACCOUNTS REPORTS INVALID INFORMATION ON CLOSING AND LAST REPORTED DATE ( XX/XX/XXXX ) How can this information and dates be correct or valid. AS OF XX/XX/XXXX THIS ACOUNTS SHOWS AS OPEN AND HAVE AN OPEN BALANCE BUT SAYS CHARGED OFF BY CREDITOR, SHOWN ON EXPERIAN, XXXX, XXXX.THIS ACCOUNT IS SHOWN TO MANY INACCURACIES ALONG UPDATING AN MODIFYING MORE INVALID AN INACCURATE INFORMATION AGAIN.IM ENTILTED TO a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under 15 USC1681 ( i ) 5 ) Treatment of inaccurate or unverifiable information ) In general, after any reinvestigation 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 shallpromptly delete that item of information from the file of the consumer as appropriate, based on the results of the reinvestigation
Product: Checking or savings account

I have a claim that is ongoing and received a temporary credit. I was told to sign documents that I never received to continue the claim. Since, I have submitted documents however, the temporary credit was withdrawn from my other account that is not associated with the claim. 
I have never filed a claim under this account and the temporary credit was not deposited into my newer account.
Product: Credit reporting or other personal consumer reports

My account with 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 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 in 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.

DEPTEDNELNET 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

Submitted a loan modification on 3XX/XX/XXXX and XX/XX/XXXX ( with a change of circumstance ). After calling several times about the status of the application and getting the run arounds. I will told it was in review with the underwriter. I asked could the foreclosure date ( XXXX ) be suspended while in review because of dual tracking ; which I was told no. 
A day or so later I was told the application got denied and a letter would be mailed to me. 
I never got the letter and called back and asked could it be faxed to my counselor and email to me. They said they would but as of this day still never received anything. XXXX XXXX is not trying to work with me to save my house but is trying to move forward to foreclosing and taking my home when I have the income. They dont want to acknowledge my increase of income.
Product: Credit reporting or other personal consumer reports

I previously requested that Credit Resource Management, LLC provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. Credence Resource Management LLC sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.
Product: Debt collection

Creditor Information XXXX XXXX XXXX {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX, XXXX XXXX, XXXX CARD XXXX
Product: Credit card or prepaid card

I've been a Chase Bank Customer for nearly 20 years I'm coming back to America at the end of XXXX after living abroad in the XXXX  and tried to open up a Chase credit  card yesterday after spending several hours with the credit card team prior as there was technical issue applying. 

After hours of international calls, I applied yesterday for the Chase Freedom Card and received a digital letter today stating it was declined despite having a spotless account with Chase for nearly 20 years, previous Chase Credit Cards and an excellent credit score. The decision letter I received as generalised, unhelpful, and inaccurate but listed an excellent credit score. I called to discuss the decision, only to be passed around endlessly and told conflicting information about whether I could actually contact the team in charge of the decision. After hours on the phone, I'm no closer to understanding what happened.

I was transferred over 10 times, had to explain the issue several times and given  incorrect information by staff on multiple occasions. Several times I was asked for the credit card long number for the account that had been declined. Clearly, there was no number as the account was declined. This was indicative of the overall lack of understanding all staff members seemed to have. I asked to make a formal complaint, only to be told I was unable to make a true complaint that would be escalated and investigated but only rather give feedback that would be used internally. I would suspect banks are legally obliged to have a complaints procedure as XXXX banks are subject to this. However, both the phone customer service team and the XXXX  team told me there is no complaints procedure, only internal feedback. 

It is impossible to discuss the application with anyone, appeal, or make a complaint. I'm keen to understand the issue but have no means of doing so and am unable to escalate this with Chase Bank.
Product: Credit reporting or other personal consumer reports

During one of my frequent checks with the XXXX major credit bureaus, I learned that Experian has my mother 's name listed on my credit file under " aliases '' and that makes no sense to me at all as I've never used my mother 's name or information, nor do I even know her social security number. I reached out to Experian back in XXXX and as far as I knew the matter had been cleared up entirely, until my mother asked me about a week ago why her name is on my credit file when she was checking her credit scores separately. There is a record of my disputing it with experian, with a status of " updated '', however, my mother 's name is still listed in the same place as an " alias '' of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed these accounts and collections XXXX XXXXXXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am currently in the process of buying a house and noticed that on my credit report, there was a collection in the amount of {$15000.00} from a collections company called Jefferson Capital. I do not know what this debt is or where it came from. Our mailbox has been broken into many times and I know that this is due to identity theft. Again this is not my debt and need to be removed from all three of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked TransUnion Numerous times to send me a signed copy of everything XXXX say 's I purchased on a account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX  has deleted this account from my credit reports because they could not provide this information. Transunion needs to provide me with the information or this account needs to be deleted from my credit report. I never opened a XXXX account nor received any items from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

2009 XXXX XXXX XXXX  {$2200.00} I never lived here. This address has never been used by me. No records will show that I ever resided here. I believe my father lived at this address before he went to XXXX.
Product: Debt collection

This has been going on for a couple of years. 

Diversified Consultant Inc. Keeps reporting on and coming off all 3 credit bureaus. They would call my cell phone everyday and hang up. I disputed this Company with XXXX XXXX and XXXX. Only information I received is from credit report for XXXX XXXX, as far as I am concerned I do not owe dish anything. We haven't had service with them in years. 

After disputing with two bureaus. I received a letter from Diversified that they are gathering information that the debt is still owed. This has been two weeks since. Still never received what debt and original date of nonpayment information. 

This seems to be harassment. They instead of sending a letter that they are gathering my debt informstion. Should of sent the information. 

I am looking for the answer or them to cease this activity and permentanly remove themselves from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is Sound Screening for an apt that debt occurred on XXXX XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received multiple letters from financial institutions like Capital One Bank, XXXX XXXX and XXXX bank denying my application for credit cards while I havent submitted any applications
Product: Debt collection

G C XXXX XXXX on XXXX the amount {$380.00} for a debt the does not belong to me. This same amount was disputed with Credit Collection Serv on XXXX in amount of {$380.00}. The company XXXX sent this on XXXX to credit agency Credit Collection Serv and now resubmitting to G C Services which again has been submitted to credit bureaus as a debt. Each time this has negatively impacted my credit by XXXX38 points. This should be against the law and is considered fraudulent. The credit bureaus will remove derogatory accounts but will not give back the points taken due to the misrepresenting/fraudulent activity! Companys are allowed to do this to hurt the person with no consequences because they know they will impact the persons credit score. Persons should not be affected by fraudulent activity on a consumer part. This is not fair or ethical.
Product: Debt collection

XXXX XXXX received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act. Additionally, their law firm Gurstel law firm sent me a letter stating XXXX XXXX is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. XXXX XXXX fails to handle this claim in good faith and keep giving me the run around including sending these debts to Gurstel law firm.
Product: Credit card or prepaid card

From : XXXX XXXX XXXX ( cell XXXX ) To : Consumer Financial Protection Bureau Subject : Vendor sold me broken XXXX Refrigerator / Never Replaced / Vendor Affiliated Credit Card Company Did not issue refund I purchased a brand new refrigerator on XXXX from XXXX XXXX in XXXX XXXX, Illinois by applying and financing the purchase through their Brand Source credit card which offered deferred interest payments for 12months. By XXXX of XXXX the refrigerator was broken, making a tremendous loud noise. A repair man was dispatched by XXXX XXXX to my house on, XXXX, the name of the repair company was XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX, XXXX. The repair man made an initial assessment and determined that the appliance was indeed broken and ordered parts. ** ( It is important to note that XXXXXXXX XXXX and XXXX XXXX are able to communicate between each other in order to determine serviceability of a repair and whether or not an appliance needs to be replaced ). ** Over the next several months XXXX XXXX XXXX gave me repair status updates, but XXXX XXXX XXXX ultimately determined that my refrigerator was not able to be fixed. XXXX XXXX told me that because the appliance was not fixable and an attempt was made for it to be fixed, XXXX XXXX needs to provide replacement ( my appliance owners manual page 44 states that a new XXXX fridge has a 1 year warranty, document attached ). 

When I, in good faith attempted to ask for a new refrigerator in person at XXXX XXXX, XXXX XXXX, the salesperson became angry and irate and I immediately left. When I attempted to call XXXX XXXX customer support via phone, I was met by two angry representatives and was not able to resolve the issue. 

Since I financed the purchased through XXXXXXXX XXXX  credit card Brand Source, I did submit a purchase dispute. Although the appliance was broken, I kept paying the monthly credit card payment. I was also forced to pay the remaining balance on the appliance before the 12 month interest free agreement expired, had I not done so, it would have resulted in me paying the total interest of the purchase. Brand Source on XXXX sent a final letter saying that too much time had elapsed since the time of purchase ( all letters attached ), yet I submitted all evidence to Brand Source in XXXX  to show that a 3rd party ( XXXX XXXX XXXX did document it was broken. I spoke to several customer service representative via phone from Brand Source in late 2022.

After I contacted Brand Source, I started to receive random pieces of XXXX fridge parts in the mail. I am not a repair person nor would I know what to do with random pieces ( images attached ). It also lends to the fact that all parties acknowledge that I have a broken appliance. I am seeking to be made full, I want to receive a refund of the full purchase price of the appliance so that I may buy with another vendor because I no longer want to do business with XXXX XXXX and its credit card affiliate Brand Source. I am a XXXX veteran and this purchase is too much for me to replace on my own. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXX XXXX, Marcus GM Rewards Card by Goldman Sachs sent me an e-mail special offer stating that if I opened a new GM credit card account and spent {$1500.00} in fuel per calendar year, I would receive a {$100.00} statement credit. Thus, I accepted the offer and made {$1500.00} in gas purchases by XX/XX/XXXX, which was three months earlier than the expiration date. 

In XX/XX/XXXX, I called GM Rewards Card customer service to inquire why there was no {$100.00} credit shown on my statement. The representative I spoke with told me that it would take 2 billing cycles for the {$100.00} credit to be deposited into the account. On XX/XX/XXXX, there was still no {$100.00} credit deposited into my account, so I called to inquire about the matter. The bank representative XXXX XXXX ) did not know why there had been no deposit yet into my account, so she decided to open up a case regarding the issue ( XXXX XXXX : XXXX ) and informed me that a bank specialist ( XXXX ) will contact me in 3 to 5 days. I waited for the phone call, but no one called. 

On XXXX XXXX XXXX, I called again and asked to speak to the manager ( XXXX XXXX, and he promised that he would call me back by the end of the day with a resolution. I never received the phone call on that day, and its been almost a week and no one has contacted me. 

Bucking responsibility and forgoing accountability is one thing, but to personally promise a customer that you will take care of the issue and never do so is beyond poor service. I understand that mistakes happen, computer failures occur, and things cant always run as smoothly as planned. However, I dont understand the lack of customer service that I received. I felt disregarded and unvalued, much to my disappointment and consternation. 

Providing the best banking service, or even just plain old good service, instead of the service itself will undoubtedly make a difference. Never forget that todays customers expect and demand to know how their money is handled. Failure to provide answers to a customers questions or inept management that could care less about anything except their inflated egos will only bring loss of business. 

I still haven't received the {$100.00} promotional offer that I was promised, even though I fulfilled all the requirements within the first calendar year of my account opening. This bank is unscrupulous and is manipulating customers through false advertisements, deceptive representations, and omissions. This corporate conduct is illegal and corrupt. An examination of this bank is very much needed. 

Thank you for your time and attention.