23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute for a transaction dispute. A provisional credit was issued. On XX/XX/XXXX, I spoke to XXXX who advised the merchant responded advising he would refund if it was requested. XXXX requested document showing a refund was requested. On XX/XX/XXXX I faxed 11 pages to XXXX with all documents requested. On XX/XX/XXXX I received a letter stating the provisional credit was reversed. I called and was told the documents were not received. I was told to resend the documents and everything can be reviewed. They confirmed that XXXX was the correct number. Since the morning of XX/XX/XXXX I have attempted to fax around the clock to XXXX, the line is busy. I called on XX/XX/XXXX and was advised that XXXX is an additional fax number.. I am still attempting to fax to both numbers, and both numbers are busy. On yesterday I called and spoke to a supervisor and he says their fax lines are broken. I asked for an email or address so I can XXXX XXXX the documents and was advised the only way I can send documents is by these two non working faxes. They do not have an escalation department or an executive complaint process. My concern is I do not have the means to follow the process needed to resolve my issue. I have one representative assigned and XXXX advised this morning he can not provide her direct extension. I have left her a message on yesterday and I have not received a call back however XXXX advised this morning the representative noted the account to transfer all of my calls to her, but never tried to call me back. This is unfair to the consumer. I am not accruing interest on a balance I feel I do not owe per my accountholder agreement and I am doing everything in my power to send the supporting documents to prove this to no avail. I need help! I can not imagine that I am the only consumer experiencing this but I am the one to seek assistance. XXXX is too large of a corporation to operate without the technology to handle a simple dispute.
Product: Credit reporting or other personal consumer reports

I got an inquiry alert that someone applied for a line of credit from XXXX XXXX XXXX on XX/XX/year>. I did not do this. I reached out to the bank for clarification, and they confirmed and then cancelled the application. They advised me to reach out to all three credit bureaus and report it.
Product: Credit card or prepaid card

On XX/XX/2023 I used XXXXXXXX XXXX  XXXX preferred credit card to pay off Bank of America credit card in the amount of XXXX. I have been trying to resolve the fact that the funds have never been credited to my Bank of America Visa. XXXXXXXX XXXX unfortunately sent it to a wrong account number that did not even exist according to Bank of America. I have been struggling to see where those funds are ever since I noticed it was not credited to my Bank of America account. I have had numerous phone calls to both XXXX XXXX and Bank of America and I can not seem to resolve this issue since early XXXXXXXX XXXX XXXX has sent me proof of the funds being transferred but Bank of America tells me first that they never received the money and later says that the funds were returned. I have sent Bank of America a certified letter asking to please inform me when the funds were returned and to which account and if there is any transfer number I could give XXXXXXXX XXXX proving it was returned. Bank of America has not reached out at all to my request. I need help finding out what happened to those XXXX. I do not believe I am responsible for something I never received. Please help me find out where this amount that was transferred to since I surely do not have it, yet I am being billed for it. Thank you
Product: Checking or savings account

I requested my matured CD funds be transferred into an external account. Instead, they rolled them over into another CD. I am submitting documentation to describe and document the entire interaction with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently used to open accounts in my name using my personal information that was exposed in the Equifax mass data breach. Now someone has been opening accounts under my name and making charges to other accounts without my knowledge. I have contacted the creditors and this bureau several times to notify them of the fraud and there has been no action taken! I am demanding that this information be removed immediately as it is fraudulent. This is an official NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is  wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g.  validation of debts 5 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

to many inquires on my credit report that im not aware of.
Product: Debt collection

Ive been contacted by someone that is apparently from XXXX XXXX XXXX telling me they were from the legal proceedings department and that I need to resolve the debt or I will be sued for breach of contract and defrauding a fdic institution. I asked for verification of the debt and then if I owed it I would resolve it after I saw the documentation. They refused to provide any stating that they can not because of some reason. I was eventually transferred to another lady who was XXXX and stated that she didnt care if I paid or not they would take legal action against me and if I wanted documentation I needed to go through the chain of command to get it. No one is providing anything. On top of that phone calls were left with 2 relatives of mine and a friend all staring the same stuff. A relative called back, the person did not verify anything but a birthday and told the relative all this stuff about suing me and the supposed debt. I am very unhappy about the whole situation. I cant find out if the debt is legit, I can not find an address, get a phone number to call and I am not okay with my information being given out and being threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, consumer in fact. The Department of Education Navient accounts are being reported inaccurately as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of Education-Navient alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of Education- Navient accounts are also in violation of federal law because when I disputed the inaccurate information it was not noted on my consumer reports as consumer disputes information *Cited from Violation Notice sent to Navient* *I have attached Violation Notice that has breached the 30 day response* *I have attached my government issued identification*
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies are in Violation of Privacy Act of 1974 The law says it is illegal to report transaction history 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit report-ing. 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, credit standing, 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 consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Debt collection

I have reviewed my credit report thoroughly and found several accounts that were added without my knowledge and are not accurate. I ask that these fraudulent accounts be blocked and removed immediately.
Product: Vehicle loan or lease

I lost my home and car after loosing my job I fell on hard times and had to move myself and XXXX  small children in with my XXXX  and his XXXX. Which Im not sure how they found the car when I never gave them the address. I asked for more time to come up with the money to pay the car note but when I was on my way to pay them the car and been repossessed with me and my kids belongings in it. The repo guy wouldnt allow me to get anything out of the car so my purse my kids car seats etc was in the car and when I went to pay the money it had been sold at auction the next day and none of my belongings were recovered.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my Experian credit report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in the relevant sections of the act. 

According to the FCRA, a consumer 's credit report should only be accessed for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. I am requesting the immediate deletion of the unauthorized inquiries from my Experian credit report. 

I have provided a list of the unauthorized inquiries made into my Experian credit report for your reference : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX I request that each unauthorized inquiry be promptly removed from my Experian credit report.
Product: Debt collection

They have stolen my identity to buy a car and now an amount is reflected in my credit
Product: Mortgage

Well in XX/XX/XXXX Seterus sold my mortagage to mr cooper. We paid a payment that month which mr cooper didnt process an I have been late ever since. I asked for a pandemic forebrance and received in XX/XX/XXXX I have a XXXX XXXX loan. They would not extend it and it ended XXXX. So they are going against the federal guidelines and not continuing.I live in Michigan in the county has is the hottest for covid 19. I am XXXX and afraid of leaving my house. Anyway a young man XXXX said i was approved for six months.Today i check back and told no. I am so upset that I am going to be thrown out of my house into a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Experian and XXXX are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX  ; According to FCRA Section 605B ( a ) Experian and XXXX 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted disputes on several accounts that are not mine, closed the disputes with no reason, no letter and no investigation which is against the Fair Credit and Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of four accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.
Product: Debt collection

I filed a bankruptcy and One Main Financial offered a re-affirmation on the debt, lowering the amount and interest rate, this enabled me to request and attain a Bankruptcy dismissal this past month. 
The re-affirmation new payment was to start today XX/XX/18 and when I called to make the first of 48 payments for the car loan, they then told me this was no longer a valid offer because I dismissed the Bankruptcy, I said as you know I dismissed it because you gave me an affordable re-affirmation as we discussed. They ignored me and their earlier assertions. 
The loan was XXXX dropped to XXXX, the interest rate from 19 % to 6 % I feel this is bad faith lending practices by One Main Financial.
Product: Credit card or prepaid card

I became a victim of fraud and embezzlement by trying to help a supposed friend/partner XXXX XXXX scam ) who claimed to be in the military and said he did not have access to his own money to pay for storage security ( of {$1.00} in gold bars ) and XXXX customs XXXX This covers a time frame of XXXX 2020 to current, and involves 4 banks ( one of which has cleared my account in full and sent a check to me for fees paid ). I have a number of promise notes from the suspect 's attorney but none of them paid me back. I spoke to my pastor in XXXX 2020. It was then I realized that I was scammed. I filed a police report, FTC report, and National elder abuse report all in XXXX of 2020. I have sent a number of faxes to all four banks to show that I was a victim of fraud and embezzlement. Two of the banks have now turned over the issue to a debt collector. My only income is social security.
Product: Credit reporting or other personal consumer reports

I sent over letters to dispute inaccuracies on my credit report and I have yet to receive a response from the bureaus.
Product: Checking or savings account

I created an account at USBank for my business. I chose this business because it had a {$600.00} bonus for opening an account. I got everything set up online and it was good to go, the only thing left was making a {$200.00} deposit to open the account. I made the deposit of {$200.00} on XX/XX/23, and make the necessary deposits of {$5000.00} within 30 days, which was held for 60 days. At the beginning, I got a call from XXXX XXXX at XXXX XXXX, saying the promo code I used wasn't correct, but he would fix it and I would be good to go. The new code that he was going to apply was only going to give me {$500.00} instead of {$600.00}. I was annoyed, but didn't fight it because I simply had too much going on to fight it. After the 60 days, I still didn't get the bonus. 
I called the XXXX number, she looked and verified that I did meet the requirements and said to give it another couple of weeks to let it post. 

It didn't. I called again. They said they would submit it to their research team and get back to me within 5 or 6 days. Never received a call. 

I called again and talked to XXXX, she transferred me over to XXXX. He said he would look into it. That day, I saw an ad for an {$800.00} bonus for a {$25000.00} deposit. I have more than enough funds, so when he contacted me I said I would just do that bonus since they were causing such a hassle that I really shouldn't have had to go through. 

This would have been a good time for him to tell me that I wouldn't qualify for it if I already had a USBank account. He didn't. Instead, I found out that day that day myself in reading the fine print. After telling him I was aware that I wouldn't qualify, he informed me that neither the code I used nor the code he applied for me was valid. He instructed me to call the XXXX number again. 

I called the XXXX number again. She said she would contact the promo team and call me back in about an hour. She never called. 

I have remained cordial despite the run around. Had I just been told it wasn't valid from the beginning, when I should have been told, I would have just gone with a different bank that was offering a bonus. I was told it would be taken care of and a different code would be applied, which I would assume XXXX would be responsible for fulfilling rather than passing it off to an XXXX number that never actually calls back. 

The way USBank has been represented is beyond frustrating, and honestly completely shade. I've been a business owner, it's important to be honest and straightforward with your clients, fulfill your promises, and don't keep pushing them off in hopes that they will give up. I don't know if this is a normal practice, and a bank in trouble is just trying to get cash deposited without ever actually intending to give the bonus? Or they just make their clients spend hours trying to get the money they are owed, when most would probably give up. Incredibly disappointed, this is too big of a bank to be doing this.
Product: Credit reporting or other personal consumer reports

Credit inquiries that I have no knowledge of, I did not authorize. Please delete.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Portfolio Mortgage does tax fraud by reporting late payments and dalinquincies that do not exist. They did this with my mortgage and said that I was late with payments after the mortgage was already paid off and for a period of time where the mortgage was already paid off and could not have been late.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX