23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection company : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Original Creditor : XXXXXXXX XXXX  XXXX opened : XX/XX/year> Last reported : XX/XX/year> Amount : {$2.00}, XXXX I never had a contract with this debt collector for any debt. They could not provide me with any debt validation in the form of a contract with my signature proving that they own this debt and has the legal authority to collect it. This account should be deleted if the proof can not be provided.
Product: Credit card or prepaid card

On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX  - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card. 

Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX  by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX  ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX. 

Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX  I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational. 

There is something very odd going on with XXXX XXXX XXXX 's website and customer service line. 

I need to confirm that this card is cancelled right away. 

Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX  ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so. 

I do appreciate your assistance. 

Thank You.
Product: Checking or savings account

Two of my Huntington checking accounts were used in XXXX Ohio for transactions I did not approve on XX/XX/XXXX. I went through procedure with phone representatives and were told Id receive a provisional credit within one day for the totaling amount. I even added a police report number and the information for the department I filed it with and I havent received anything as far as provisional credit though I explained time after time on the phone to representatives my rent was due on the XXXX of this month
Product: Credit reporting or other personal consumer reports

I am bringing to your attention an issue regarding an account on my credit report that has been inaccurately verified as accurate. Despite providing supporting documentation, which I have attached, the information remains incorrect, and no corrective action has been taken.

This situation violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which obligates your agency to properly investigate and rectify any inaccuracies.
Product: Credit reporting or other personal consumer reports

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 My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists These accounts were open fraudulently as I was in XXXX XXXX at the time these accounts were open I was XXXX XXXX XXXXXXXX I was XXXX XXXX XXXX  XX/XX/XXXX and put in a XXXX which I cant leave until round or about XX/XX/XXXX I will upload proof of that as well
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XX/XX/XXXX Balance : {$390000.00}.
Product: Credit reporting or other personal consumer reports

I have been sending XXXX dispute letters for a public record account listed on my credit file since XX/XX/XXXX I sent over XXXX letters by certified mail, XXXX  keep verifying this bankruptcy listed on my XXXX  credit falsely listing a bankruptcy verifying it with XXXX as you can see there isnt a bankruptcy listed on my XXXX file as I informed XXXX since XX/XX/XXXX in fact XXXX informed me the last time XXXX contacted them was XX/XX/XXXX so how are they verifying this bankruptcy as you can see XXXX falsely told me this bankruptcy was verified as of XX/XX/XXXX hows this possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX
Product: Mortgage

The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words " Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. 

I applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. 

As you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX about a debit that I have been disputing for months. The original account # XXXX, a debit that is originally dated in XX/XX/XXXX, and I have no knowledge of, so I would like XXXX XXXX to properly verify the debit with my signature or delete this incorrect debt from my credit profile.
Product: Credit reporting or other personal consumer reports

At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1974 Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday, I had {$2.00} in my Cashapp account, and my roommate sent me two separate payments of {$88.00} and {$150.00} for her part of our bills. When I checked my account last night, there was only {$80.00} in my account. I reached out to customer service to ask what happened and they said that there was a " technical error '' from XX/XX/XXXX to XX/XX/XXXX that purchases I had made at XXXX hadn't processed so they had reimbursed the company. In that time, I never received a single notification that there was an issue or I would not have made more purchases. On my statement, it says my purchases were complete. When I reported this, customer service all but told me it was my fault for not paying closer attention to my account and to go to XXXX, even though the " technical error '' had nothing to do with me or my finances. I am being punished for a problem on their end that I should have, at the very least, been notified of. Those purchases happened days, even WEEKS, apart, and I wasn't told at all that there was a problem. The money they took wasn't mine to give, and now I have to reimburse my roommate out of my own pocket for their mistake.
Product: Credit reporting

A debt dating from 2006 has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent transunion my police report to fix the incorrect information that is on my credit file XXXX XXXX the company is adding money to my when its being reported I sent the receipt where the balance and where on there website its different balance account should be removed XXXX XXXX XXXXXXXX has a payment agreement when I had XXXX in 2021 I have been paying monthly the FCA says company cant report late if you have agreement due to XXXX account all late payments should be deleted
Product: Debt collection

Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was Portfolio Recovery and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I never open this account, and this is fraud to open in my name, please remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 

Account name : XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : DEPTEDXXXX Account NumberXXXX Account name : DEPTEDXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 seven years.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : Notice XXXX XXXX XXXX and XXXX XXXX under FCRA Violations Dear [ Credit Reporting Agency 's Name ], I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before litigation, with the intention to amicably resolve this matter. 

I am prepared to pursue legal action in accordance with the FCRA to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617 if the following items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted from my credit report. Please note that this letter, along with the previous correspondence and evidence of inaccuracies, will be included in a formal complaint to the Federal Trade Commission and may be used as evidence in the pending litigation if you fail to comply with this settlement offer. 

It has come to my attention that the following violations of the FCRA have occurred : The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : EMPLOYER : IXXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Please treat this matter with utmost urgency and comply with the settlement offer to avoid potential litigation. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have two Citibank credit cards. I recently moved to a new address. I tried to update my residential and mailing address on my Citi credit card account through their website, but their website sets a limit to the number of characters you can enter for each line of the address, which is shorter than my address ( my address is USPS approved ). It doesn't allow me to enter my full address. Although their website pops out the USPS suggested address, it just never takes it. Then I called their customer service number twice and asked the representatives to update the address for me. They said they couldn't do it. One of the representatives even asked her manager to help fix issue, but they both failed. Then they promised me to escalate the issue for me and said it should be fixed within 5 business days or so. Now 7 business days has passed and my address still hasn't been updated. Now I'm really worried that I won't receive mails and statements from Citibank and may miss payments, as my address on their book can not be updated to my current one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as the fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent name XXXX, XXXX, XXXX has violated my rights 15 USC 1681 602 A states I have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been watching my credit scores on XXXX XXXX for 10+ years daily. My scores on both Transunion and XXXX have stayed within 710-730 range the entire time and fluctuate weekly @ 10 points depending on what's been paid etc.

On XX/XX/2019 my XXXX score soared up 85 points. On that same day Transunion only increased 7 points, but that was because 2 cards totaling roughly @ {$3000.00} was paid down. Transunion never reflected the score increase associated with that bankruptcy being removed. When I called Transunion and got up to the special department for that they still said that it automatically calculates, but it obviously did not. They referred me to the FTC and their site referred me here.