23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and inaccurate accounts as well as unauthorized inquiries which I have no direct engagement with appeared in my credit report. I have already sent a proper documentation for these items to the bureaus and they did not removed them.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Checking or savings account

In early XX/XX/XXXX I received a bonus offer for {$550.00} from Fifth Third bank with a unique offer code. The offer required me to wait XXXX if I had a previous account with Fifth Third bank in order to qualify. The account I had with Fifth Third bank was previously closed on XXXX XXXX XXXX, so to meet the time requirement I had to wait until after that date in order to qualify. 

On XXXX XXXX XXXX having met the XXXX requirement I opened a new checking account in order to qualify for the {$550.00} bonus offer. The time difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXXs excluding the end date, or XXXX XXXX XXXX days excluding the end date. 

I signed up for the bonus offer and a document titled " {$550.00} with {$3000.00} XXXX Checking Offer '' was created during the signup process. In order to qualify for the bonus I was required to " make direct deposits totaling {$3000.00} or more within 90 days of account opening ''. 

Fifth Third bank defines a direct deposit as follows : " A qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension, or government payments ( such as Social Security ). '' I made XXXX XXXX deposits as stated on the qualification requirements in excess of {$3000.00} each time. Since the deposit requirement states " may include '' it does not define that deposits had to originate exclusively from those sources. The cash bonus was to be deposited to my checking account within XXXX business days after making the {$3000.00} XXXX deposits. 

Fifth Third bank failed to post the bonus as stated on the terms. I contacted my personal banker XXXX, and I informed him about not getting the bonus in the time specified. XXXX stated that he was going on vacation and would have someone else look into this matter. That person never followed up on this issue. 

When XXXX returned from vacation he called to update me on this matter. This time XXXX requested the documentation I received for the bonus offer. I emailed that information to XXXX. A week goes by, and I call XXXX for a status update, and someone else answers the phone informing me that XXXX no longer works at Fifth Third bank. That person stated that someone else would contact me. I have yet to hear back from anyone regarding this matter. I feel like I'm getting the run around and that this matter is not being addressed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reomserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine cosumer protectionsand perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX.
Product: Credit reporting or other personal consumer reports

Me and my fathers information was stolen. We have since then continued to file a dispute with the company over and over for the last several years since XXXXWe have requested documentation along with 2 different police reports as well as the FTC. Per learning more about credit reporting, they are still attempting to collect upon a debt that not only me but my father have provided detailed information regarding the identity theft. In the state of Texas there is a statue of Limitations for attempting to collect on a debt. Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. The debt per what is reporting on the credit beauru became repossessed in XX/XX/2018. The vehicle was then sold and charged off as XX/XX/2018. Still to this date they are still attempting to collect on a debt that we have continued to dispute but will not respond back to any of our letters nor notices. I am wanting to have this account removed.
Product: Credit card or prepaid card

I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.
Product: Vehicle loan or lease

My vehicle loan was set up with A-L Financial on XXXX, XXXX and was scheduled for 42 month term. I have paid all my payments with a few hiccups. In XXXX of XXXX my car was impounded and the vehicle was repossessed by A-L Financial even though I was current on payments. I understand this is to protect their investment but charging a full repossession fee of {$690.00} when someone is current is outrageous. In XX/XX/XXXX I spoke to a manager in the XXXX office and asked if my payments would be ok being paid on the XXXX if each month since my payment was due on the XXXX prior. She advised me that would be perfectly ok and to add {$1.00} in payments to cover interest which I did. After this, things went on as normal and payments being made. On XX/XX/XXXX I called and talked to XXXX about what was left owed on my vehicle since I was coming to the end of my term. She gave me a balance of $ XXXX which I questioned because I knew I should or only had 1 more payment of {$330.00} since XX/XX/XXXX would be 42 months. On XX/XX/XXXX I talked to XXXX again and requested a summary of payments. On this summary of payments it shows 40 payments of {$330.00}, 1 payment of {$360.00}, 1 payment of {$350.00}, 1 payment of {$340.00} and 1 payment of {$330.00}. Which is 40 payments of regular payments and 4 payments covering any fees told by the office that was owed. On XX/XX/XXXX I called and talked to XXXX again. She advised me that I had a balance of {$330.00} which was paid as well. When I questioned the amount and payments XXXX response was check with your accountant I asked for her to help me and she replied thats just what the system says and there was late fees. I understand that there was late fees and the total was {$300.00} which would only equal to 1 additional payment not 3. This company has charged me an additional $ XXXX in fees and supposed Interest.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention serious concerns regarding my credit report and the actions of Experian. My personal information was exposed in multiple data breaches, and as a result, I became a victim of identity theft. I have submitted all required documentation to Experian and requested a thorough investigation into the fraudulent activity in my credit file. However, Experian has consistently failed to conduct a proper investigation, and the situation has only worsened. 
Most recently, after my last complaint to the XXXX, the negative information related to the fraudulent activity was deleted from my credit report. However, just XXXX hours later, the same negative information was reinserted onto my credit report without any new investigation or verification of its accuracy. Despite me submitting this under section 605B which requires Experian to block the fraudulent information, they took it upon themselves to modify it to a XXXX dispute ( evidence attached ) ; and are still declining to block the information under the argument that I knowingly obtained or should have known about obtained goods or services. This troubling action suggests that Experian is merely making rapid updates to my credit report, rather than conducting a proper inquiry or ensuring that the reported information is legitimate. The reappearance of these items on my credit file raises serious concerns about the adequacy of Experians procedures for handling fraudulent data. 
Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a thorough and accurate investigation into any fraudulent information on a consumers credit report. The deletion and subsequent reappearance of these itemswithout any new investigationindicates that Experian is not fulfilling this legal obligation. This failure to properly address the fraudulent activity continues to negatively impact my credit score and my financial well-being. 
Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have called everyone I can to pay the Macys debt. NO ONE can help me and everyone says they have nothing under my name or social security number. Both XXXX and XXXX have removed this debt. I am willing to pay the only {$230.00} but NO ONE can seem to take my payment or know where this debt is. If someone can provide me a phone number to call to make this payment I will, but how am I supposed to pay a debt I never even knew about until recently and when no one has any idea about it and no one can help me.
Product: Credit reporting or other personal consumer reports

Today, I'm complaining to notify you that I've been subjected to identity theft. After researching how to address the fraudulent entries on my report, I discovered the necessity of visiting the FEDERAL TRADE COMMISSION to file a report. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed in an identity theft report. Attached are the documents to aid in blocking the inaccurate information that has been appearing in my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
Product: Mortgage

I want to express my frustration working with Citi Mortgage as so its called, in working on a Loan Modification on my subject property located in XXXX, New York. I'm very certain that Citi Mortgage are receiving many lawsuits due to mismanagement of files, and also misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the the situation of the client. My complaint has been going on with Citi Mortgage for a while. It started over 7 years ago with the simple request of a Loan Modification due to I was facing a Hardship and could no longer afford to pay the mortgage of my house. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried contacting the bank for an update of our process, there was a different representative, not only did they not know what was going on with the case and file, but they could not even find any updates nor any documentation regarding my file. Most of the time they kept telling me that there were no current updates and that the account specialist will follow up with me regarding the file, which they never did.It is not my fault that i felt behind on my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolutions has been reached. I finally was able to execute a complete package, and have the correct income to qualify for not only my mortgage, but for the Loan Modification as well.I was able to rent part of my property and collect a rental income of {$1500.00} on a monthly basis. My brother is able to give me a contribution to assist me with the daily expenses we have in the property and for the family as he is also owner of the property.All I'm looking or is for HELP. Now, Citi Mortgage has placed a sales date on my property for XX/XX/2018. I dont understand why they would have placed a Sales date, when I have been complying with the Loan Modification and request of documentation to save my house. You have all required documentation with updated information for a review, and you do not want to open a template for a review of a loan modification for a possible solutions, all you want is to sell my house on a foreclosure auction unless we can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have executed : dual tracking '' on my case. If I was in the process of a Loan Modification, foreclosure should have been placed on hold until the review is completed. You are against the Law at the moment for not opening my case for a Loan Modification, and forcing me to foreclosure. I believe its just not fair that you can't give me the opportunity to have the file be review for a Loan Modification, to give me the opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER. Unsolicited, called Amazon, who had many complaints, tried calling Synchrony Fraud and New Account and Customer Service. Fraud voicemail said they were closed, others waits 23 and 25 minutes and never reached anyone. Online search found hundreds if not thousands effected with similar emails. Appears not to be fraud, but Synchrony used Mt Lowes Credit Card information to apparently open an Amazon Credit Builder account which was never requested by me. 

What can be done to stop Synchrony from opening accounts without approval and seemingly without Amazon requesting the accounts. Cant get the truth, but it feels like the XXXX XXXX debacle all over again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under XXXX XXXX XXXX ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2021 I been disputed this information remove from credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance
Product: Debt collection

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Product: Payday loan, title loan, or personal loan

Speedy cash debit {$310.00} from my account for a loan that was not even mine. I spoke with them and they refused to give me my money back. The loan was for my sister who used my care to pay a one time payment. They debit my account on XX/XX/2019. I spoke with them XX/XX/2019. They were the ones who refused to work out a payment plan with her. XXXX XXXX her name and the account number is XXXX