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

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and require immediate attention. 

ACCOUNTS - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX INQUIRIES - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit card or prepaid card

I had to file a 2nd claim to get Comenity Bank to reopen a previously filed claim for a charge dispute as they were not being fair in how they handled the matter. The issue the first time is they close the claim and do not communicate what they need until they send a letter and it states they have closed the claim, not even giving me a deadline : just closing it. Their Customer care Rep XXXX even stated they normally allow longer time frames than what they gave me when I called this morning to request this they re-open this AGAIN for the 4th time. 

I relayed to them I had additional documents to mail and I receive a message on XX/XX/XXXX saying they have not received the documents and maintain their position and are closing the claim. This is NOT fair as they are too quick to close a file yet they will not communicate with me or tell me the time-frame They say 60-90 days but they are too quick to close this out. 

I do not want to leave any stones un-turned as they unfairly denied the claim without proper investigation. They don't even give me a deadline, I merely get a letter saying they have closed the claim instead of them
Product: Debt collection

I received collections attempts from Mnet financial, address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/XXXX, I received an out-of-the-blue phone call from Mnet Financial demanding payment in the amount of {$1000.00} for the Creditor XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. It has been a year and a half since the XXXX, and I had not heard anything about bills, or received any phone calls. 

I explained to the caller that they were violating the law because I had never been told about such a debt, and hung up. 

I then called the creditor the same day XX/XX/XXXX to investigate the issue. I learned from the provider that I had a remaining balance of {$100.00}, and that the collections company was falsely trying to also charge me for the amount my insurance had already paid. She recalled the collections, and I paid the {$100.00}. 

Later in XXXX, I received a letter from MNET Financial once again demanding payment in the amount of {$1000.00} even though the matter had been recalled and resolved. 

So in short, they tried to collect the wrong amount, over XXXX the value of the collections. Even when the payment was resolved with the provider who alerted the collection agency, the collection attempts persisted. I have my phone records to confirm the XX/XX/XXXX c alls, as well as the XX/XX/XXXX letter.
Product: Checking or savings account

XXXX Wells Fargo XXXX XXXX Identity Theft XX/XX/2019 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Product: Debt collection

I have not agreement or do I own this bill. This collection agent has Placed this same bill on my credit report under different names in the past and all removed by : XXXX, XXXX, and XXXX. Now under AFNI agent, they changed the name and put it back on my credit report. Once again XXXX and XXXX take it off, but XXXX is giving me problems. They also call me for at least 10 different number minutes apart all day and use different names, but the same bill. I have called XXXX and I was told they do not have any in my name, with my SSN or address. I ask for any proof of agreement or contacted and I never received anything. I am a XXXX and having a very serious medical problem and others have to take care of me, so I need help with this matter. 
Thank you. 

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

Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my Transunion  and XXXX  credit reports immediately.
Product: Debt collection

I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX  ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Product: Credit card

I applied for an AMEX XXXX XXXX XXXX, which stated that you will received XXXX bonus points after spending XXXX in 90 days, and I did that. I reached out to customer service and they said i did not qualify for the offer. I said I was approved for the card and was only advised to do the qualifying spend. Their promotion is clearly unfair, and deceptive and they don't even notify you. I reached out to Amex and all they said is they can not do anything else for me.I said I would not have applied for the card, and have them run my credit and impact my score unless I am getting the bonus offer, which I was under the expectation that I am getting after the qualifying spend. Amex can't do anything else for me, I gave them a chance to make this right but they are not standing by their customer, and not making it right.
Product: Debt collection

Over the past few years I have been fighting with these agencies to properly verify these debts of XXXX ( two debts ) and XXXX with this americollect account on my credit report. I sent a verification of debt to americollect which they responded ( see attached ) These companies have yet to remove this debt from my account. Nor did they conduct proper investigations on these accounts because americollect couldn't even validate them. 

I am requesting immediate removal of these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On  XXXX / XXXX /17 Huntington National Bank involuntarily offset my account in the amount of {$550.00}. The problem I have with this is I spoke with a member of the Huntington National Bank customer service the week prior regarding the debt they took my money to pay. A phone call the representative I spoke with on  XXXX / XXXX /17 verified through their records. A customer service representative was supposed to contact me between  XXXX / XXXX /17 &  XXXX / XXXX /17 to set up a payment arrangement for this debt. Instead of calling me back to set up this payment arrangement, they decided to clear out my bank account instead without my knowledge. This left me with a {$0.00} balance, checks out for bills I had paid, and stuck in another state with no way home. As a courtesy, they refunded {$100.00} because I called them extremely upset that I was stuck somewhere else with my daughter and was unable to get home because they took every penny I had. I contacted them on two separate occasions after this explaining the situation and how I spoke with someone regarding setting up payments. They would not work with me at all. I went into a local branch and spoke with them about the situation and the man was very rude, stating the bank is not going to refund my money just because I ca n't manage my finances. I received a letter stating they had done this because they had contacted me by mail several times regarding the account that needed paid, but that letter was the first one I ever received from the bank. They also informed me they would refund a return check fee due to a check being returned because they took all my money. When I called back to get this refund, they had no intention of refunding it until I stated I was filing a complaint with the CFPB. I have been banking with this bank for several years and was very disappointed by the way this was handled.
Product: Credit card or prepaid card

Had agreement with Citibank to help pay off credit card. Was making payments. XXXX monthly to pay down credit card. I was making payments all the way off until XX/XX/XXXX. 
in XX/XX/XXXX Citibank would not allow me to make a payment online or over the phone. Stated to call back my account was under review and they could not accept any payments at this time. To call back at the end of the month. Call again on XXXX. Lady states to Call back later on in month still under review, called again on the XX/XX/XXXX lady stated the same thing. Called back on XXXX still saying the same that my account was under review and I could not make any payments at this time to called back. Called back XX/XX/XXXX. Still not able to make payments stating it was still under review. Then I get a letter from collections saying they want the payment in full. I dont understand how it can go to collections if Citibank would not let me make a payment. I had tried for 3 months to make payments. Then spoke with XXXX XXXX with client services on XX/XX/XXXX. We talked about {$170.00} month for 36 months. I wouldnt agree to the arrangement until I had it writing. Due to the fact Citibank didnt stand behind the first agreement with me. I also requested a statement for the last 2 years of payments. I do not agree with the balance owed,. Again how can a creditor do this to a customer if you will not allow the customer to make a payment. Seems like to me Citibank set me up in order to turn this account into collections. I think this is unfair and discrimination. When I was trying to work with Citibank. And Citibank didnt hold their end of the agreement and wouldnt allow me make payments. 
Last year payments XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Inquiry from XX/XX/2018 - Auto Financing Capital One Inquiry from XX/XX/2018 i never had inquiry from capital one for auto I am using capital one for while but not auto never
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due to the data breach from Equifax which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX  XXXX account number XXXX opened on XX/XX/XXXX. XXXX XXXX auto loan opened on XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX  auto loan account # XXXX opened on XX/XX/XXXX. XXXX account # XXXX opened on XX/XX/XXXX. These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : XXXX XXXX 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( I ) ( a ) - ( b ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts I mark as inaccurate are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Along with a personal name attached to my file.
Product: Credit card or prepaid card

Issue : I, XXXX XXXX, booked flights ( Itinerary : XXXX ) using credit card points through Chase XXXX XXXX XXXX for my brother, XXXX XXXX, and his family on XX/XX/XXXX ( pre-COVID ). These flights were subsequently cancelled due to the pandemic emergency and shelter-in-place orders. A credit of $ XXXX XXXX tickets was given with an expiration of XX/XX/XXXX. 

These credits expired during the XXXX XXXX variant surge where CDC and California state health officials discouraged airline travel. I contacted Chase in XXXX of XXXX asking for credit extension or refund given that the pandemic precluded travel on the date of expiration. They agreed to a full refund of XXXX points and cash refund of {$44.00}. To date, I have received the {$44.00} as a credit on my Chase account on XX/XX/XXXX. I have NOT received by refund of the XXXX points which is worth approximately {$2400.00} ( see XXXX file, attached ). 

On XX/XX/XXXX, I received an email from Chase stating I would be receiving a full refund of {$44.00} and XXXX, XXXX points ( see XXXX file, attached ). A credit to my Chase account of {$44.00} was provided on XX/XX/XXXX ( see " XXXX XXXX '' .jpg file, attached ) however I have not received my refund of XXXX points. 

I have made phone calls to their travel program ( Case number XXXX ) in XXXX and XXXX of XXXX and discussed the issue with two separate supervisors. Both supervisors stated they were unable to issue a refund because of a technical issue with their system as the reservation was too old. Each supervisor stated they would send a service ticket to their IT department and ensured a prompt resolution which has not occurred. This issue appears to be purely an IT/systems related limitation on Chase 's part to refund the points. They have already agreed, in writing and verbally, to provide the above refund and have already partially done so ( e.g. {$44.00} credit on XX/XX/XXXX )
Product: Checking or savings account

CapitalOne has not posted my XXXX 1099-INT online by XX/XX/XXXX, and will not accept any requests to provide a form until XX/XX/XXXX. The customer service rep confirmed a 1099-INT was generated for me, but that she was not authorized to provide me with a copy of document. She said that it can not be mailed to me yet either. Capital One 's policy for this issue is to refuse to fulfill missing 1099-INT requests and begin mailing copies until XX/XX/XXXX. CapitalOne will only begin to mail missing 1099-INTs starting XX/XX/XXXX. This is out of compliance with federal guidelines to provide 1099-INTs by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being penalized on my fico credit score. my score is below 800 it s/b XXXX. I pay my credit card bill every month in full on time. is there anything you can do to change the scoring method? awaiting your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.