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

My name is XXXX XXXX and I applied for a credit card from Bank of America back in XXXX of XX/XX/2019. The card had a promotional rate of 0 % APR for 12 months and a cash bonus of {$150.00} after spending {$1000.00} in the first 3 months. I received my card sometime in XXXX, but they sent me 2 different ones. One ended in XXXX and the second ended in XXXX, I was confused so I called them to confirm which of the two cards had the promotion I applied for. They confirmed it was the one ending in XXXX, so I started using it. It has now been 2 months and I have spent more than the {$1000.00} dollars and have not received the promotional bonus. I called Bank of America and they told that they had advised me to use the wrong card, but can't do anything on their part to correct the issue. I told them that I want them to honor the bonus as well as the 0 % APR, but they said the only thing they can do is the honor bonus but not the promotional APR, even after they reviewed the recorded calls and agreed that their agent made a mistake on the call we had back in XXXX.
Product: Debt collection

In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX Equifax received and signed for, my 1st letter disputing inaccurate reporting of a state tax lien on my credit report.That Tax lien acct # is XXXX They sent me a letter saying my request was validated. On XX/XX/XXXX Equifax received my 2nd letter, again disputing innaccurate reporting of said tax lien. As of this typing, I have already sent a dispute through CFPB, and Equifax stated they removed tax lien acct # XXXX, however it is still appearing on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid {$85.00} via XXXX for a product/service to be delivered by XX/XX/XXXX. On XX/XX/XXXX, I received a message from the vendor stating she was not able to provide the product/service anymore. I requested a refund and the vendor agreed to send me the refund on XX/XX/XXXX. After not receiving the refund I reached back out on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX the vendor blocked me on social media. 
On XX/XX/XXXX, I reached out to Bank of the West to file a fraud claim. One week later the bank denied the claim. On XX/XX/XXXX, I reached back out to the bank to dispute the findings and they agreed to look at my claim again. I had not heard back regarding my second attempt at a refund so I called the bank back on XX/XX/XXXX. At this point, the bank let me know my claim was once again rejected and I could no longer take further action. I have been defrauded by the vendor and the bank refuses to protect me by refunding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We 've been a member almost a year, paying XXXX each month. We were able to get the first three monthly reports but have been either Unable to get a report, or no other correspondence since then. 
We called XXXX Several Times and were either hung up on, or " Mysteriously '' got disconected. It definitely seems that they are avoiding contact and responsibility that we 've agreed to. My name is XXXX XXXX @ ( XXXX ) XXXX. Or you may call my wife, XXXX XXXX, @ ( XXXX ) XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I do not have a contract with the collection agency, they did not provide me with the original contract as I requested.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Portfolio Recovery In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX
Product: Debt collection

BOA continues to send me emails, violating my right as a consumer by harassing me through email attempting to collect as a debt collector. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I am demanding that you cease all forms of communication with me through any and all mediums.
Product: Money transfer, virtual currency, or money service

Im a full tome student with a XXXX XXXX XXXX at home and needed a quick fix to get some studies done and decided to buy a cat. Did some quick looking at animal shelters online and for XXXX  cats since they dont shed. ( I dont need cat hair all over the place ) I commit with someone through their website and had no reason to suspect it was fraud. I have email communication and it seemed legit, but after I sent the payment I was told he was shipping the cat and never got the kitten or heard from the person again. 

US bank refuses to reverse the transaction even though I told them the following day on XX/XX/XXXX that it was fraud and I sent the payment on the XXXX. They had time to reverse this ach transfer but are using the excuse of the XXXX they have on their website. As a consumer i Sumer it on my bank website is protected for fraudulent transactions when someone steals money and not provide goods. Instead the customer service reps would victim blame and expect consumers to understand why they were robbed by a fake buisness and use excuses as to why they didnt simply reverse the transaction when it was reported immediately. Us bank enforces XXXX but doesnt provide information to let their customers know what their rights are or rather that they dont have any when using XXXX and this is not made abundantly clear when the transfer is easy and doesnt spell it out that if they send money and the person is lying you wont get a reversal of the transaction. There is very little clarification on this and I think this is inviting people to commit fraud with XXXX and is dangerous because not everyone knows the dangers of people running online scams. Us bank should be held accountable to protect their customers and instead victim blame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

ED/XXXX XXXX {$8700.00} DPT EDXXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX  XXXX {$9300.00} XXXX XXXX {$99.00} XXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

I have a Hard inquiry on my credit report for a credit card that was not adding to my accounts. Hard inquiry is on all my credit reports on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud.These fraudulent accounts consists of a credit card accounts opened at XXXX XXXX XXXX XXXX  Around XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX around XX/XX/XXXX, and loans opened at XXXXXXXX XXXX  around XX/XX/XXXX and XXXX XXXX around XX/XX/XXXX & XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA lawsI 've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. 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 hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I received a message from you on XXXX indicating you had received a response from Citibank. But when I opened it, it merely repeated my updated complaint ( XXXX ). I receive the attached form letter as often as three times a week XXXX XXXX XXXX. I made a timely reply XXXX ) but then I recieved a letter from another party at Citi XXXX who copied you. As always, I can never assume the info I send to Citi is properly recorded. Often, it takes weeks before Citi acknowledges receipt. By then, it often imposes additional requirements ( I noted that when XXXX XXXX was assigned in XXXX, the process started anew as though I had not submitted all the info the previous three months
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2022 I saw a lot of hard inquiries in my Equifax which got my attention and my score drop a lot so I wanted you guys to help me with this problem due that I wasnt aware of all those inquiries. 
The companies were XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX. 
They were all in the month of XX/XX/2022. 
Now Im my XXXX XXXX also saying I have 28 hard inquires which is crazy, Ill attach all of them in the pictures, this is so sad for me is not helping me for my future, I just wan na have a good score and be normal. 
Hope you guys can help me
Product: Credit card or prepaid card

I received a XXXX  emails saying I was pre approved for personal loans and credit card options yet when I applied I was denied which ultimately lowered my score and made it harder to secure the finances I needed
Product: Debt collection

Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My account with this company 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 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. 

This XXXXOMPANY 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
Product: Mortgage

On XX/XX/XXXX i made a large lump sum payment of XXXX towards my mortgage with chase bank. they gave me a loan modification to start paying in XX/XX/XXXX i have asked Chase 2xs to convert my loan to my original terms to start paying my mortgage in XX/XX/XXXXinstead of XX/XX/XXXX. since i made a large payment in XX/XX/XXXX i have called on XX/XX/XXXX they put in a request for this for this a work order. 
i waited to hear from Chase no response, so i called again on, XX/XX/XXXXand i told chase that i wanted a recast of the modification to start paying my mortgage in XX/XX/XXXX not XX/XX/XXXX this time they gave me a Reference # XXXX and they said they would have to recalculate principal and interest i said this is great. and they would put in a work order. as of today XX/XX/XXXX i still  have not heard from chase on this recast of my mortgage loan payment. i want answers why they are not responding and giving me the recast of my loan, and they are ignoring me and discriminating me as well. this response from Chase should only be no more than 3 days to get this amount figured out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX I received a letter from Midland Mortage Co saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them Midland ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth.

Midland has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like Midland to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes arent enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with Midland if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX  county assessors office
Product: Credit reporting

Yes, several time disputed. 
Creditor have continuosly by error placing my account last two payments delincuent. Payment was delivered on time at creditor drop box. 
Lender start to call about payment, i have visited their facilities and lender agreed their responsability with payment have lost at their facility at their drop box and asked to replace lost payment. 
Payment was never late.
Product: Money transfer, virtual currency, or money service

I come here to file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent fraud and to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I come seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX attempted to withdraw {$100.00} from the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX The ATM did not dispense any money, and I immediately called customer support. After 2 weeks, a claim was finally filed, and then promptly closed. I went to the branch directly on XX/XX/2024 and filed another claim. After investigation, once again, the claim was closed after an " investigation ''. I have an excellent credit history, and direct deposit biweekly. I find it egregious to simply be defrauded of {$100.00} due to a faulty ATM machine. I am not sure what kind of " investigation '' was done, but this is simply theft.