23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

US Bank NA offers and promotes a Visa credit card ( Cash+ Rewards ) that earns 5 % cash rewards on several merchant categories. The cardholder must select two qualifying merchant categories with US Bank, and then charges from merchants in those two selected merchant categories will receive 5 % cash rewards on up to {$2000.00} of eligible charges each calendar quarter in the two selected merchant categories. See attachment. Specifically, utility companies and streaming companies are included in the 5 % merchant categories. However, US Bank 's billing system is not set up to correctly calculate the 5 % rewards, and therefore consumers are not correctly provided all credit that is due when statements are prepared by US Bank. Specifically, for me, I selected utilities and streaming services as my two merchant categories for the 5 % reward ( I made and confirmed with US Bank the two selections before any charges were made with the credit card ). When charges posted to may account, I verified on the US Bank website that all charges posted using a merchant category of either Utilities or Streaming Services. So, all of my charges should have been eligible for the 5 % cash rewards. However, when my statement dropped, I was provided a cash rewards credit of just over 1 %, when it should have been 5 %. See attachment. US Bank employees were not able to provide an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX- XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) XXXX This is my second request please remove the above accounts and send me a new credit report showing these corrections. 


Experian also has received my FTC identity theft report
Product: Checking or savings account

Issue with : Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States On XX/XX/XXXX of this year someone changed the password on my chime account and stole {$5000.00}. 
I reported this to Chime on the XXXX of XXXX and they said they would look into it, and provided me with a claim number:XXXX. 

On XX/XX/XXXX called chime again and produced little even though they said they realize it's not my fault. The account is supposed to be protected by XXXX XXXX liability, and the FDIC, and received another claim number:XXXX I called and asked for copies of the logs for these transactions under FRCP e-discovery hoping to sort it out myself. But chime has flatly refused to provide me with this, or refund the money. 

I still have not seen the return of these funds.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against CashNetUSA for deceptive advertising and failure to disclose crucial loan information. I was lured into applying for a {$1000.00} loan on XX/XX/XXXX, based on their advertising, which did not clearly specify the Annual Percentage Rate ( APR ), additional fees, or repayment amounts. Upon receiving the loan agreement, I was shocked to find significantly higher rates and fees than I anticipated. This lack of transparency is a violation of my consumer rights and, due to me being on XXXX and a XXXX  income, has caused me financial hardship.
Product: Checking or savings account

I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''. 

I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent to Experian a packet including information regarding Identity Theft. In that packet was a copy of my identifying information, my FTC Report, a letter explaining the situation and a copy of my credit report with all information circled that was apart of Identity Theft including names, numbers, addresses and accounts. I received notice via email that the packet was received on XXXX XXXX. On XX/XX/2020 I called Experian to touch base with them regarding the status because I have already received a prompted update from the other credit bureaus but not Experian. Upon speaking with a representative on XX/XX/2020 she notified me that they have not received my identity theft packet even though I told her that I sent it certified mail and received notification that it was received by them on XXXX XXXX. So she then opened up a dispute for those accounts and information on XX/XX/2020. I contacted them several times after to get a update but was told no one received or started a investigation like I was told that would, Finally on XX/XX/2020 a Representative called me and was asking me questions to start the investigation that was suppose to start on XX/XX/2020. She requested that I send her a email with the information I sent in my packet and I sent it over to her immediately following our phone conversation on XX/XX/2020. I talked to them again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they have still failed to remove the information and accounts that were apart of identity theft. It is now XX/XX/2020 and I begin this process and sent it out to them on XX/XX/2020 and still nothing has been removed from my Experian Credit Report. I used my rights under the FCRA and asked Experian to block that information from my report until their investigation is complete and they have still refused to block the information. I also provided them all identifying information about me along with my FTC Identity Theft Report. According to the Fair Credit Reporting Act Experian had 30 days to complete their investigation and remove or update inaccurate information on my report. They are not complying with the law, I have been ignored and inaccurate false and fraudulent information still remains on my report 77 days later.
Product: Credit card or prepaid card

I ordered an item online for a friend from homedepot.com which was either stolen or otherwise lost when delivered. I contacted Homedepot.com, Homedepot Citi Credit Card Services and XXXX XXXX to help me resolve the issue and they all have refused to refund or replace the item that they were responsible for. All theyve done is open investigation cases which were bias. XXXX  XXXX  had either left the item at the front door of a busy street causing it to be stolen or delivered it to the wrong address and refuse to take responsibility for it. Homedepot Citi Credit Card Services and  Homedepot.com are still charging me for an item I never received and have even called me a thief on paper, which is clear that they didnt do any real investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Send removal of freeze proof of ID back  in  XX/XX/XXXX  and  XX/XX/XXXX , Tra  ns Union h as incompetent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 Date XXXX : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}XXXX XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX  Date opened : XX/XX/2016 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

XXXX XXXX on behalf of XXXX XXXX and Portfolio Recovery Associates third party collection agency attempted to get me to pay over the phone for a {$500.00} debt Ive never had. Ive never in my life even had a XXXX XXXX Credit Card. I just check my three bureau credit reports and scores through my experian membership and was actually on the phone with them earlier in the evening. I dont have any debt and dont have nor ever have had a XXXX  XXXX banking, checking, savings, line of credit or credit card. 

This woman was very demanding of my name and date of birth which she had and extremely aggressive. 

I am not going to pay for a debt for a credit card Ive never had. 

I am going to be calling experian tomorrow to freeze my credit in case this is a scam. 

I was called from a number from XXXX, MA XXXX ( XXXX ) XXXX the woman stated her name is XXXX. 

I asked that her and her company not contact me further and I am very uncomfortable she had my personal information such as name and date of birth. I dont know what else she could have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX In accordance with fair credit reporting and XXXX  account XXXX XXXX XXXX  XXXX at XXXX as violated my right. 
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 furnished an account my written instructions. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting and XXXX XXXX XXXX  credit management XXXX XXXX XXXX as violated my right. 
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 furnished an account my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is XXXX and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither TransUnion or XXXX have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my XXXX XXXX file. 

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by XXXX to TransUnion as verification that the debt is mine, TransUnion has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit card

My card was used for several fraudulent transactions and closed by XX/XX/XXXX ( see attached fraud notification ). On XX/XX/XXXX a new charge was made on the card despite it being closed. An additional charge was made on XXXX despite it being closed. Called customer service to report and they did not resolve or acknowledge that they had not prevented the card that was closed from being used.
Product: Debt collection

I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for a membership of {$27.00} to monitor my credit score. 
However, I am not able to use their app in order to sign into the account. 
Also when I sign in on the web it provides nothing of the service that I am currently being charged for. It only displays my credit score. 

When I attempt to cancel the account, on the web I am being directed to call a number. 
When I call the number the automated system does not direct me to a live person and it also tells me that there is no account on record for me. 

I have tried emailing customer support and have received no such response. 

Website : https : //experian.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted certified dispute letter with return receipt XX/XX/21 to their dispute department XXXX XXXX XXXX, XXXX XXXX XXXX UT, XXXX. Called XX/XX/21 to check status was on the phone for over 3 hours collectively with reps and supervisor in the closed accounts Dept who advised she saw no record of the accounts in their system and submitted it for investigation which she stated had a 30 day timeframe. To date, no response received for letter mailed over 30 days ago. Regarding the following Capital One Bank # XXXX, Capital One Bank XXXX XXXX being reported on all three credit bureaus reports XXXX, XXXX  and XXXX. Capital One is in violation of FCRA for failing to respond within 30 days into validating the accuracy of these items reported. I am requesting these accounts to be deleted immediately. Attached is copy of USPS Certified Receipt and most recent credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. These inquires listed on the identity theft report is not factual and is actually FRAUD. Please delete this information
Product: Mortgage

Mid Island Mortgage mistakenly submitted my loan for a short sale. This was not initiated by me and did not have my approval/consent. In this process they ran my credit and, to add insult to injury, charged me for the credit report. The only reason I found out about this was because I received a letter stating they needed more detailed information for my loss mitigation application, which I never submitted. In addition, I received a call from an appraiser requesting to make an appointment to come look at the property. When I called Mid Island to inquire about the situation, I was told if the letter did n't apply to me, then to disregard it. I was told this several times as I demanded more information about how this mistake happened. I finally was transferred to the loss mitigation department and had someone verify that they attached someone else 's short sale application to my loan. I was not informed that a credit report had been pulled until the charge appeared on my monthly statement. I take my credit very seriously and am taking steps to build my credit score. I understand that when a credit report is pulled, my credit score takes a hit. This is irrevocable damage and can only be cured with time.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. 

THESE ACCOUNTS LISTED : ( XXXX XXXX  and XXXX XXXX XXXX XXXX I HAVE IN LITIGATION. 

ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST TRANSUNION AND XXXX AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!