23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : XXXX
Product: Credit card or prepaid card

Credit card companies do a ton of marketing via internet, television, direct mail, etc. The recipients of this advertising is targeted to individuals that are peak consumers of durable goods and services. Those in the life-cycle of early to mid XXXX  ... those that need everything from vacuum cleaners to microwave ovens. To my knowledge, there has never been an ad that warns consumers of the dangers of debt and encourages the responsible use of credit. It is my proposal that credit card entities allocate 20 % of their ad budgets to serve 'warnings of excessive debt ', responsible use of credit, maybe testimonials from those individuals that lives have been destroyed by borrowing/or buying-in to the slick ads that promise : enhanced lifestyles, expedited processing of credit lines, care-free living, etc. There is a huge need for this reality check. Young adults are strapped with student loans and are bombarded with credit offers that result in nothing short of a train wreck lifestyle. BIG Lenders use BIG budget ads for new business with no moral compass for the fallout and that needs to be recognized and addressed-quickly.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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.
Product: Credit reporting or other personal consumer reports

Dear To Whom It May Concern, I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inquiries listed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Nj XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer I did not authorize these inquiries, and I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a consumers consent is required for a legitimate inquiry to occur. Since I did not provide such consent, I believe these inquiries are unauthorized and should be removed from my report. 



Furthermore, I would like to reference the case **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), where the court emphasized the importance of accuracy in credit reporting, reinforcing that consumers have the right to dispute any unauthorized inquiries.
Product: Debt collection

On XX/XX/2024 LVNV Funding and XXXX XXXX XXXX illegally garnished my bank account after a cease and desist notice was delivered certified mail, and police report along with Federal Trade Commission report was sent notifying the company of their fraudulent account. Company never notified me of any lawsuit or legal matter, company has not provided any documents that I made a credit transaction with them
Product: Credit reporting or other personal consumer reports

I recently discovered several inaccurately verified accounts on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX. After conducting some investigation, I determined that these accounts were opened fraudulently without my knowledge or consent, indicating clear instances of identity theft. Despite my efforts to dispute these accounts and provide evidence of fraudulent activity, TransUnion has failed to properly investigate and remove them from my credit report. 

I am deeply concerned by the negligence and lack of due diligence in verifying the accuracy of these accounts by TransUnion. I demand to know the exact methods and procedures used by TransUnion to verify these accounts, as it seems evident that the verification process was flawed and failed to detect the fraudulent nature of the accounts. 

TransUnion must comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and integrity of consumer credit reports. The inclusion of these fraudulently verified accounts on my credit report constitutes a violation of my rights under the FCRA and other relevant consumer protection laws. 

Given the gravity of this situation and the continued reporting of inaccurate information on my credit report, I feel it is necessary to pursue legal action against TransUnion for non-compliance with the law and the mishandling of my credit information. I am prepared to initiate a lawsuit to seek redress for the damages caused by the inaccurate reporting and failure to address the identity theft issues promptly and appropriately. 

I demand that TransUnion takes immediate action and removes these inaccurately verified accounts from my credit report, providing me with a corrected credit report reflecting the removal of such false information. Additionally, I expect a detailed response from TransUnion outlining the verification process for these accounts and a plan of action to rectify the situation. 

I am prepared to take further legal action if necessary to protect my rights and seek justice in this matter. I urge TransUnion to take this matter seriously and address it promptly to avoid further legal consequences.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Good evening. I was doing my research on credit reporting agencies and I came across my report from Clarity Services part of Experian. I did not find a way to submit a dispute from their online service official website. 

All accounts and information highlighted in yellow are is directly link to Identity Theft for which I have a FTC and Police Report for. Attached please find my report and highlighted information that needs to be removed from my report. 

I found name discrepancies, wrong phone numbers, wrong address, wrong email, wrong work history report and accounts that do not belong to me. 

Please remove immediately. 

Thank You XXXX XXXX
Product: Vehicle loan or lease

Hello- I'm submitting a compliant to Nissan Motor Corporation for not notifying me in reporting missed payments to the credit bureau. They have never gave me time to pay my monthly loan amount and they went ahead reported me to the credit bureau. In XXXX, I have received five missed payments- XXXX, XXXX, XXXX, XXXX, and XXXX. 

I was not notified by Nissan Motor Corporation of their plan to submit a compliant to Credit Bureau. My monthly payment is {$350.00} and I have never missed a payment in XXXX, XXXX, XXXX, and XXXX. 

My loan amount is {$21000.00} and it was opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer Finacial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving vulnerable and unprotected. Furthermore, their dispute resolution process was under unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial los, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TRANS UNION LLC . CONSUMER DISPUTE CENTER XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX ACCOUNT # XXXX OPEN : XX/XX/XXXX INQUIRES : XXXX  XXXX OPEN : XXXX XXXX, XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action on this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their alleged violation of the Fair Credit Reporting Act ( FCRA ). On [ XX/XX/XXXX ], I discovered that my credit file with Experian had been tampered with in a manner that negatively impacted my creditworthiness. The specific issues I encountered are as follows : Deletion of Current Address : Experian removed my current and accurate address from my credit report, making it impossible for creditors to verify my identity and residence. This deletion directly contravenes Section 1681e of the FCRA, which requires consumer reporting agencies to maintain accurate and complete consumer information. 

Addition of Inaccurate Address : Experian added an address to my credit file that I neither live at nor associate with. This unauthorized inclusion of an erroneous address is in violation of Section 1681e of the FCRA, which mandates the reporting of accurate and relevant information. 

As a result of these erroneous changes to my credit report, I applied for credit and was denied based on the discrepancy between my true address and the fabricated one. I contacted Experian to rectify this situation by requesting the removal of the inaccurate address and the reinstatement of my correct address, which should be reflected on my credit report. However, Experian informed me that XXXX XXXX had instructed them to remove my correct address.

I believe that Experian 's actions not only damaged my creditworthiness but also violated the following provisions of the FCRA : Section 1681i ( a ) - Requirement to promptly investigate consumer disputes. 
Section 1681s-2 ( b ) - Duties of furnishers of information to consumer reporting agencies.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Experian for their failure to comply with the FCRA. I also urge you to ensure that my credit file is promptly corrected to reflect my accurate and current address.

Enclosed with this complaint, please find copies of my credit report, correspondence with Experian, and any other relevant documents to support my case.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Sincerely,
Product: Mortgage

I " XXXX XXXX '' along with the help of my XXXX housing counselor applied for a loan modification for my property " XXXX XXXX XXXX XXXX XXXX NY XXXX loan # XXXX " with Caliber Home Loans. We submitted a the loan mod packet on XXXX/XXXX/2016 via fax. As of XXXX Caliber informed us they has a complete packet and it was sent to underwriting on XXXX/XXXX/2016. We followed up via phone every week after that to make sure the underwriter would not need additional docs. My housing counselor and I spoke with an agent on XXXX/XXXX/2016 and we were told packet was complete no additional docs needed, We spoke with Caliber on XXXX/XXXX/16 with XXXX teller XXXX and we were told loan still in review and no additional docs needed. Finally on XXXX/XXXX/16 30 days after it was sent to underwriting Caliber requested an updated bank statement for borrower which we then sent via fax on XXXX/XXXX/16. We called on XXXX XXXX, 2016 and we were told that bank statement received and that now it was sent to underwriting and we have to wait another 30 days for a decision. We explained that Caliber can not add an additional 30 days to decision process since the underwriter had a complete file for 30 days and only in the last minute the underwriter decided to now ask for a bank statement witch we sent within 48 hours of the initial request, Caliber just kept repeating the same thing " just wait another 30 days '' My housing counselor asked to speak with a manager and spoke with XXXX teller id # XXXX and she said she was a manger and that she would e-mail the underwriting department and underwriting supervisor to make sure they make a decision and are being compliant with underwriting guidelines, she then told us to call back tomorrow and we would have a better idea of when a decision will be made. We called the next day and spoke to XXXX teller id XXXX and we were told that file was in underwriting and wait additional 30 days. My housing counselor explained the conversation we had with a previous manager XXXX the day before and then we were was told that XXXX is not a manager so she basically misrepresented herself on the call the day before. We were then transferred to another person who told us he was a manger XXXX teller id # XXXX, My housing counselor had to explain the whole ordeal to him and he basically said just " wait another 30 days ''. XXXX did not care that underwriting had a complete packet for 30 days and just wanted us to get off the phone. This is why I am filing a complaint against Caliber Loans in regards to my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed medical debt on my credit report due to XXXX  XXXX XXXX that makes reporting medical debt no longer allowed. I submitted this dispute to XXXX  and also the debt holder XXXX XXXX XXXX XXXX. I have also mailed a dispute letter to the debt holder also. Nothing was done to remove the account from my credit report. My request was ignored. 

Now I am re-submitting this request to SynchroniXXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX //LATE open - Balance {$2200.00} XXXX  XXXX XXXX  XXXX //LATE open - Balance {$160.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Got a letter from Advance America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX The letter states that I, XXXX XXXX had open a installment loan for {$1000.00} on XXXX/XXXX/2024. I never even know what or who Advane America is, this loan is identify theft. 
I froze my credit after this already. I look at all 3 credit burea and there is no Inquires about this loan. This loan looks fake doesn't even look real, the interest rate on this is 231.85 % which is ridiculous. I can not tell if this company is the theft itself. I need them to close this account because I never open it. I never provide them my ID or SSN. I call there phone number at XXXX and they told me to report to FTC.gov which is why I'm on here.
Product: Debt collection

I am a victim of credit extortion originating from a company called XXXX. They were connected with a collection agency called Fidelity Information Corporation. FIC has recently ceased operations and has since turned over collections to another collection agency called Fidelity Creditor Services. For a small fee of less than {$25.00} Olddebts.com allows unscrupulous individuals to submit an online claim of debt for any amount desired requiring no proof of validity, how the debt was calculated, or verification the right person is being reported. XXXX states they are not a collection agency. They were however represented by FIC who reports a negative to the CRA 's. All requests for validation made to FIC or FCS are ignored. The consumer is left with no recourse other than conventional means to combat a virtual debt that does n't actually exist. The CRA 's will only accept an automated electronic response from collection agencies to their investigations. Any proof from consumers to the CRA 's of FCRA violations made by collection agencies are not accepted. Fidelity keeps knowingly perpetuating a false claim while holding my ability to obtain credit as hostage. Any and all requests for validation made to Fidelity are ignored. In my case they are unable to produce proof because the debt never existed. The website Olddebts.com clearly states they do not require any validity of debt from their clients while ensuring negative claims against innocent consumers are reported.
Product: Mortgage

Chase bank has lied to me. they illegally foreclosed on me in 2010.I fought them and spent {$37000.00} with an attorney and they put the house back into my name. The promised a modification which I have not gotten as yet. They provided me with a confidentiality agreement which I refused to sign as they have cheated me and want to hide that fact under the rug by shutting me up. they once again are trying to foreclose and also refuse to locate money i sent them. They cashed the checks i sent but never applied the money to y loans. ( XXXX loans ) .Please wo n't you help me. No one has as yet.
Product: Debt collection

They have repeatedly have called my work and now have called my teenage kids and have scared them tremendously. They have called every day for the last XXXX months and as of XXXX/XXXX/XXXX called my kids.
Product: Debt collection

I had just received a letter from XXXX XXXX XXXX. Monday XX/XX/2018. The letter is dated from XX/XX/2018. XXXX XXXX XXXX claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from XXXX requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter