23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police XXXX identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX
Product: Checking or savings account

capital one 360 has not deposit my paycheck! they have my money and I have NO access to it!!
Product: Student loan

I was called by XXXX XXXX and told me that he called my job trying to collect on Student Loan debt and that 's why he called my job that I just started less than two months ago. I told him he should n't have called my job because we are n't allowed to get personal calls at my job unless it 's an emergency. He said he was allowed to call my job and I told him it was against the law to call anyone 's job about a debt and that he could have gotten me fired from my job. He was rude and did n't let me talk and would not allow me to deferr my student loans because I had just started working there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I upgraded my amex XXXX XXXX  card to an amex XXXX XXXX card for an upgrade offer ( offer code XXXX ) of XXXX bonus points after meeting XXXX} spend ( attached, XXXX offer ). I met the spending requirement during my first statement cycle ( attached, XXXX statement ). The terms of the offer ( attached, XXXX terms ) stated points will be awarded within 6-8 weeks of meeting the spending requirement. After not receiving the offer points after the 8 week deadline, I reached out to amex. A case was opened on XXXX XXXX XXXX ( case # XXXX ), with a resolution time of 6-8 weeks. After the 8th week, I again contacted amex for information on the resolution. I was told no decision was made and that another case will be opened. This second case was opened on XXXX XXXX, XXXX ( case # XXXX ) with a resolution time of 6-8 weeks. Almost one month has passed during this second case, and I am again told that Amex is waiting for the XXXX department to award the points.
Product: Vehicle loan or lease

American Credit Acceptance LLC- I applied for a vehicle and I was denied. 
Title 15 faults, misleading and denial of ones own credit. Credit means the right granted by creditor to debtor to defer payments of debt and defer its payments.
Product: Checking or savings account

I was unable to log into my Capital One account, so I called customer service and was contacted information about unknown number, ( XXXX ) XXXX, and an email address, XXXX being on my account. I immediately informed them that this was not me, and this is the third time my account has been compromised. Previous fraudulent attempts included applications for Kohls, XXXX, and XXXX accounts. Later, I received a package and called XXXX to inquire about it. They confirmed that the number and email address associated with the order were the same as the one from capital one, so I reported it as fraud to XXXX. Then, my friend called the number and a woman who spoke XXXX with a XXXX accent answered. She only said a few words before hanging up, explaining she was getting into an elevator. My friend conducted further research on the email and phone number and discovered that the phone number is linked to a XXXX account. I contacted XXXX to ask about the email address and they asked if I wanted to gain access to the email account that had been fraudulently opened with all of my personal information. I said yes. XXXX quickly provided access, and I found that a Kohl 's order confirmation had been forwarded to XXXX. The pickup location for the order was listed as Kohls, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The pick up person was XXXX XXXX XXXX. Next, I looked up the XXXX  delivery address, which was XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, FL XXXX and phone number XXXX. Upon XXXX  the address, I found it was associated with an XXXX account called XXXX, which appears to be a parcel forward company operating for the XXXX XXXX and contact information is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps sending me the same responses for the alleged accounts listed below. How can you possibly say that these alleged accounts have been verified when there are so many inaccuracies regarding these alleged accounts. Both XXXX and XXXX deleted these accounts due to the fact that they were unable to verify these accounts yet your company keeps telling me the opposite. First of all how can you possibly be able to verify these alleged accounts when from the looks of it you are clearly reporting DUPLICATE accounts. Remove these accounts immediately or I will take you to small claims court because you are clearly not protecting my rights as a consumer and you are not taking the steps to properly verify this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX Date of Inquiry XX/XX/2023
Product: Credit card or prepaid card

Complaint Issue : American Express Platinum credit card # XXXX In XX/XX/2022, I obtained an American Express Platinum card and paid an annual fee of {$690.00}. The terms at the time of my application clearly stated that if I had never previously held a Platinum card, I would be eligible for a sign-up welcome bonus upon meeting the basic spending requirements. The phrase " One person per card per lifetime '' was explicitly mentioned in the terms during my application. 
By the third month, I had not only met but significantly exceeded the spending requirement of {$6000.00}. I reached out to American Express customer service, and they assured me that the sign-up bonus would be credited to my account promptly. However, six months later, the bonus was still absent. Upon contacting American Express again, they informed me that I was ineligible due to having opened two different American Express cards ( including a business credit card ) in the past four years, received bonuses ( approximately {$250.00} in total rewards from a card I applied for three years ago ), and closed the account. I filed an appeal, but it was rejected. 
I believe I have been treated unjustly for the following reasons : XXXX. No notification or alert was provided during my online application process indicating that I did not qualify for the sign-up bonus. 
XXXX. The terms during my application clearly stated : " One person per card per lifetime. '' I had never applied for an American Express Platinum card before. 
XXXX. When I contacted American Express customer service in the third month, the representative confirmed my eligibility and assured me that the welcome bonus would be issued immediately. 
XXXX. Despite their claim of my ineligibility for future sign-up bonuses, American Express continues to send me promotional emails or mail for other credit card bonuses. This is misleading and borders on deceptive practices. 
XXXX. I found some people ( online, my friends, etc ) who also had other America Express credit cards even more than mine still got the welcome bonus. That's unfair, you treated people differently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting me late XX/XX/2018 and they are in violation. They recently took over servicing of my loan from XXXX XXXX XXXX in XX/XX/2018. 
For one- there is a protection period once a loan is transferred for servicing : ( 1 ) Payments not considered late. During the 60-day period of the servicing of any mortgage loan,. a payment may not be treated as late for any purpose. 

For 2 : I had set up auto draft with XXXX already in XX/XX/XXXX and the XX/XX/XXXX payment was to be drafted. This was their error not mine. I am NEVER late  on anything and have always had auto draft for my mortgage payments with XXXX XXXX and when you guys took it over it was a big mess.
Product: Credit card

In XX/XX/XXXX I was presented with an offer in the Capital One mobile app offering me 6 months of XXXX XXXX ( premium {$9.00} monthly service ) credits if I signed up. I signed up and cancelled early ( XX/XX/XXXX ). 5 months later I was presented with an identical offer stating another XXXX  months free of XXXX XXXX credits were available to me. This advertisement insinuated that this trial was available again to me for another XXXX  months. I signed up again in XX/XX/XXXX by clicking the promotional advertisement that was re-offered to me for XXXX  months free. I received my XX/XX/XXXX reimbursement of {$9.00} but never was reimbursed for XXXX, XXXX, or XX/XX/XXXX for total charges of {$29.00}. I called Capital One XX/XX/XXXX asking about this reimbursement and they informed me that I had already used the promo trial and I will be responsible for the remaining months, despite presenting a promotion insinuating that I'm eligible for another 6 months. They agreed to credit one month for {$9.00} but not the remaining months. I feel this promotion was completely misleading and false. Had they not presented it as another 6 months of the credit ( 5 months after I had already cancelled the trial ) I would never have clicked on it. I would expect them to change their promo to myself and others who have cancelled mid trial to state something like " You have 2 months remaining of credits '' and not present in a way that you have another 6 months. I'd also expect them to reimburse me for this misleading marketing. 
Capital One employee who helped and case number listed below XXXX XXXX ID XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX collection accounts in the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, was added to all XXXX  of my credit reports. These account are not mine. I was not living in XXXX at the time these XXXX accounts were opened, I was living in XXXX. I have attached multiple proof of my residency in XXXX showing the dates.
Product: Debt collection

I have filed a complaint with Experian and called and made a compliant - filed disputes with both. In 2016 I was heavily in an addiction. I had XXXX out for my XXXX and I was in a downward spiral in and out of XXXX. I had fallen asleep one night, to wake up and find my car window had been busted out and all of my Tools and Checkbook/ Id, as card had been stolen. I called my Bank and had my account number changed, and had to have a new ID Issues. With the XXXX XXXX I had I was unwilling to file a police report. I was too worried about going to XXXX  to even think about going to a hospital. XX/XX/2016 I was picked up on my XXXX   and Ive been XXXX  and in XXXX since. 

I have called and explained the situation to both Experian and XXXX, which I was told by both there would be an internal investigation. I did ask XXXX  for documentation from who ever had used my Information, they were unable to provide such. When I disputed these same accounts with XXXX  and XXXX  XXXX was removed. So it seems its more of an Experian issue resolving my disputes. 

I have not had a doctors appointment in years, even to date- almost 3years XXXX   XX/XX/XXXX I havent been to a Dr . This isnt my account, Unfortunately they should have asked for an ID or something from whomever.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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

15 USC 1681 Section 602 states I have right to privacy.

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

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor. 
3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Student loan

I need of copy of all the records stating i owe this loan. I had intended to go to XXXX University the annex in XXXX, Alabama in 2009. My father who is an addict lost his mind I lost my home and my vehicle and could not attend the school. Now i am receiving phone calls and letters saying I owe XXXX for an education i never attended. Please help the amounts are listed twice two payments for XX/XX/09 and XX/XX/2009 as double charged amounts
Product: Mortgage

My family was impacted by XXXX, I am in real estate and was unable to work and all of us were sick the first part of XXXX. We immediately utilized the XXXX assistance program for mortgages with Chase. We were assured we were safe for 90 days. We have paid our mortgage ON TIME for 14 YEARS!! Chase then reported my missed payment to my credit report and I contacted them right away. They assured me they would correct, and again they were there to support me and not to worry as they would be in touch after the 90 days to assist with options. I received notice of my loan being transferred to XXXX XXXX as of XXXX on XX/XX/XXXX via USPS. I immediately researched the company and there are a number of complaints about their unwillingness to support homeowners. They are in fact an REO machine!! I made several attempts to contact Chase ( waiting over 3.5 hours at a time on hold and then via messaging through the app ( as directed when they hang up on you after holding for 3.5 hours ). Finally got through today, and was told they are working on repairing my credit. I expressed my concerns with XXXX XXXX and the fact that I was being transferred 2 months behind in payments making me vulnerable to their questionable business practices. 
I do not feel this is fair or even legal, to sell my loan off during a global pandemic when my account was supposed to be on hold in the first place to protect my home!! Chase has left me vulnerable, and both companies are profiting off of a global pandemic!! I need help to stop this, please.
Product: Debt collection

We received a call regarding a medical debt from collection agency : Medical Revenue Service / XXXX XXXX XXXXXXXX/ XXXX, FL XXXX. 
On the first call, the caller was polite ; asked if my spouse ( XXXX XXXX ) had received treatment at the XXXX XXXX XXXX XXXX, and stated there was a debt. [ approximately XX/XX/2022. ] We had received no notice of the debt from the hospital, no contact at all. I explained this to the bill collector and requested an itemized statement. We received Saturday [ XX/XX/2022 ] a statement from Medical Revenue Service which included no itemization and with my spouse 's name garbled. I mailed ( today! first available opportunity [ XX/XX/2022 ] ) a response with our intent to challenge the debt due to the lack of accurate information. Obviously, they have not received that ; we have not had time to make take any action of any kind. 
Today [ XX/XX/2022 ] -- obviously before action could have been taken -- I received a second call. This time the caller was less than polite. She responded with hostility to my statement that we were already mailing a statement of our intent to challenge the bill. She dismissed the name question as 'a typo ' ; she referred to the supposed 'contracted amount ' on a bill we have still never seen ; she appeared indifferent to our failure to receive an itemized bill. 
She characterized my entirely polite response as reflective of a 'bad attitude ' and used it as an excuse to claim my bad faith. SHE THREATENED TO CALL AGAIN to attempt to speak directly to my spouse ( not available for either call ). I DO NOT wish to receive any more of her phone calls ; I want information before we consider our proper course of action regarding the debt. 
I certainly do not find the failure to properly document the debt appropriate. I want an itemized account ; I want to know why a bill of over {$12000.00} was submitted to our insurance company for nothing more than 2 hours sitting in an emergency room and why we never received any contact regarding that bill until a third-part debt collection service was involved.