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

On or around XXXX XXXX XXXX my wife and I applied for credit at XXXX XXXX XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a XXXX and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XXXX XXXX XXXX I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon XXXXXXXX XXXX XXXXXXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.
Product: Student loan

My account has been placed into administrative forbearance because they havent processed any requests for IDR on my account and MOHELA continued to charge interest. I also submitted employment certifications for PSLF during the special waiver period and was within a few years of forgiveness. I consolidated my loans and my eligible payment counts have disappeared and have not been corrected. It appears on my account that they have been reset to XXXX. It was my understanding that with the special rules, after consolidating that my payment counts would not revert to XXXX  for PSLF.
Product: Prepaid card

I was gifted the a {$50.00} American Express gift card on XX/XX/XXXX. XXXX. In XX/XX/XXXX, I created an account with American Express to manage the gift card. That month I also attempted to connect the giftcard to my XXXX XXXX on my XXXX XXXX, XXXX XXXX, and XXXX XXXX. All attempts were unsuccessful. In XXXX of XXXX, I attempted to again add the gift card to my XXXX  devices and this time called XXXX customer service. There a representative informed me this was a new issue with American Express changing processes on their end and prompted me to occasionally try adding the card as some XXXX users had been successful. 

In XXXX of XXXX, I browsed XXXX forums and discovered other consumers had similar issues. Some recommended added the gift card to subscription services, XXXX wallet, and XXXX wall. While the card is charged the temporary hold of {$0.00} and {$0.00} from the various companies, all attempts to pay with the gift card have been unsuccessful. 

In XXXX  XXXX, I contacted American Express customer service and was advised try using the gift card in store as on their end they didn't see any issues. They also helped me add billing information to the gift card. This did not remedy the issue. 

Between XXXX XX/XX/XXXX I have attempted to make purchases between XXXX  XXXX {$20.00} at the following restaurants stores ( in person and online ), which have all been unsuccessful : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

American Express has given me no real remedy to access the {$50.00} amount on my gift card as the funds sit. I have exhausted all options suggested by American Express, other merchants, and other consumers with similar issues.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am beyond frustrated after discovering an unauthorized inquiry on my credit report today. I refreshed the page thinking it was a glitch, but it wasnt. I need you to carefully review the documents I sent and resolve this issue immediately so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport as proof of my identity, and a utility bill as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my right. 15 U.S. C 1681 section 602 A. STATES I have the right to privacy. 15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

Collection was opened on XX/XX/2018 in the amount of {$470.00}. After my 6 month plan was paid for in full and had come to an end, the company went to wrongly renew my policy after I had to told them I will not be renewing.
Product: Debt collection

I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to voice my concern regarding the unresolved issue related to my vehicle loan account, which was recently taken to court and subsequently settled on XX/XX/2023. It has come to my attention that despite the court settlement, XXXX XXXX XXXX has failed to update my credit profile with accurate and updated information. This action is not only unprofessional but also violates the provisions and rights outlined by the Fair Credit Reporting Act ( FCRA ). 

I would like to reiterate that the matter in question was brought before a court of law, where a settlement was reached, outlining the terms and conditions for resolving the dispute. As a responsible consumer, I have abided by these terms and promptly fulfilled my financial obligations as specified in the settlement agreement which was for the amount of XXXX. This amount was paid in court in front of the judge in the form of a cashier 's check. 

However, to my dismay, the inaccuracies regarding this account persist on my credit profile. This erroneous reporting has adversely affected my creditworthiness and financial well-being, hindering my prospects for accessing credit when needed. I believe it is within my rights as a consumer to have accurate information reflected on my credit report, as enforced by the FCRA. 

I have reached out to the creditor multiple times and nothing has changed or has been resolved. I have disputed this account with all XXXX credit bureaus and provided them court documents to prove the inaccuracies and it still came back as " VERIFIED '' by the creditor. 

I trust that you will address this matter expeditiously and amicably, understanding the significance of maintaining accurate credit reporting. I strongly believe that our dispute has been amicably resolved in a legal setting, and it is, therefore, imperative that the creditor uphold their obligation to report this correctly to the credit bureaus.
Product: Checking or savings account

I opened a checking and savings account with Chase Bank in XXXX of 2023. They were advertising a promotion to receive an account-opening bonus if you met their qualifications within 90 days of account opening. The total bonus promised was {$900.00}, after meeting direct deposit and balance requirements ( maintain $ XXXX in savings through the 90 day period ). After the qualification period ended, I noticed that I had not received the first part of the advertised bonus. I went into the XXXX, GA XXXX XXXX XXXX and spoke with a representative who was able to research and find that Chase had an internal issue with the code that was applied when opening the accounts. They admitted that they'd experienced this issue/glitch with multiple customers and that the issue continued to impact others that opened accounts through their online channel. I was told that the code was applied ( in XX/XX/2023 ) and that the bonus would be paid as initially promised. After more time went by, there was still no bonus paid. I went into the branch and spoke with a representative about my concerns, who had their manager call me later ( with no progress made ). I also spoke with several people through their XXXX number who told me that I would have to wait 90 days from when *Chase* manually applied the coupon code on their system. This is not what I agreed to when I opened the accounts and I am unable to move my funds until their 90 period ends. My money has been tied up there for months and they have failed to follow through on their promise. They should make this right, immediately, and pay interest that I could have been earning in a better account with a bank who does right by the customer!!!
Product: Credit reporting

In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Equifax in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX responded as follows : " Equifax has reviewed the complaint and its records. The balance on the XXXX XXXX XXXX account number XXXX has been updated to reporting a XXXX balance. XXXX XXXX XXXX account number XXXX is currently reporting a XXXX balance for this account. Written confirmation has been sent to you on XXXX/XXXX/16. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Equifax again reports a balance owed and the account in open status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard Inquiries on my account that I am no aware of. 
I tried contacting the merchants with no success. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX syncb/lowe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not sure what you are thinking! Never been to XXXX, Texas. According to XXXX XXXX, some XXXX XXXX woman applied for a pay day loan in my name. I filed a police report and provided it to this National Credit Adjusters, joke of a company. NOT MY DEBT!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved
Product: Credit card or prepaid card

I'm very disturbed by the fact that I received a credit card application in my late father 's name from Bank of America when he has been deceased for 40 years! If Bank of America is so hard up for customers that they have to start sending credit card applications to family members loved ones is pretty reprehensible to say the least. After all these years I want to know how and where they found this information and want it completely purged from their systems. I also want a formal apology as well. Bank of America can rest assured that I nor my family will never do business with them in the future. This is truly appalling and all in the name of big business.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failing to verify a debt after I requested validation. In XXXXXXXX XXXX XXXX  ], I contacted Experian regarding a few accounts listed on my credit report, requesting verification of the debt as per my rights under the Fair Credit Reporting Act ( FCRA ). Despite my request, Experian has refused to provide verification or documentation supporting the accuracy of the debt. 

The specific details of the issue are as follow XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Request for Debt Verification : XX/XX/year> Details of Communication : Debt came back verified Requested Verification : I asked Experian to verify the accuracy of the debt and provide supporting documentation, including the original creditor and account details. 
Under the FCRA, Experian is required to investigate and verify the accuracy of any information they report, particularly when a consumer disputes the debt. Their refusal to provide verification is a violation of my rights, and I am requesting that the CFPB intervene to ensure Experian complies with the law and rectifies the situation. 

I respectfully request that the CFPB investigate this matter and take appropriate action against Experian for their failure to verify the debt and for any potential violations of my consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that as of recently I've been taken advantage of in the form of malpractice, while simultaneously several laws being broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to qualify for home mortgage, and just has overall damaged my ability to obtain credit. These wrongdoings have caused me great mental anguish at no fault to my own.
Product: Bank account or service

Barclays Bank Delaware is refusing to allow me to change my privacy settings in order to disallow information sharing, even though they are required to do so under federal law. 

I received an annual privacy notice from Barclays Bank Delaware today. In the notice, it states that Barclays DOES share my personal infomation with affiliaties and other companies, and that I can limit that sharing. However, when I called the phone number listed on the notice, the representatives told me that they do not share any information and there is no way to change the privacy settings. 
Since their written statements contradict their oral statements, I assume that the written statements are true and the oral statements are false and that they do share. However, since they falsely claim that they do not share when I call them, they could not tell me my current privacy settings and appear to have no way to change them.
Product: Debt collection

I asked them to send me the original contract with my signature but they wasnt able to produce
Product: Checking or savings account

-- -- - I have been an authorized user on Acct # ending in XXXX for almost 2 years -- -- - In the past year, since XX/XX/XXXX, I transferred {$13000.00} into Acct # ending in XXXX from my own personal accounts. 


-- -- - On XX/XX/XXXX at XXXX, I withdrew {$3800.00} cash from Acct # ending XXXX at the Teller Counter at the XXXX XXXX in XXXX XXXX CT. XXXX # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX XXXX 


-- -- - Then I went to the XXXX, CT branch ( # XXXX ) and sat with XXXX XXXX XXXX and I requested my name to be removed from Acct # ending in XXXX ( for a personal reason : I no longer wanted to see transactions that my ex-partner ( XXXX XXXX ) was making on the account that were hurtful, which were multiple transactions pertaining to another woman ). XXXX XXXX XXXX completed my request at XXXX. 


-- -- - Then at XXXX, I deposited the {$3800.00} cash into my Acct # ending in XXXX at the XXXX XXXX at the XXXX XXXX. Transaction # XXXX Session # XXXX XXXX # XXXX Teller : XXXX XXXX -- -- - I also informed XXXX XXXX of my withdrawal & the breakdown of the amount at XXXX the same day. The money I withdrew was to pay the mortgage on a house that XXXX XXXX and I both equally own. This information doesn't matter, I had the right to take the money and do whatever I wanted with it. 


-- -- - 15 days later, on XX/XX/XXXX, Chase Bank reversed my CASH deposit of {$3800.00} from my Acct # ending in XXXX leaving my account in a negative balance of - {$2600.00} for over a month now!! 


-- -- - Not only was the {$3800.00} cash deposit wrongfully taken from my account, but now I can not even utilize my account to pay the house bills that are due. I use the Acct # ending in XXXX strictly for house related bills. 


-- -- - Someone at Chase Bank made a huge error by not doing their due diligence in researching to see that I was an authorized person on the Acct # ending in XXXX when I made the withdrawal. 


-- -- - Had I not removed myself from the account and XXXX XXXX went to the XXXX XXXX the next day ( as I was told ) the XXXX XXXX XXXX XXXX have seen my name still on the account and would have told XXXX XXXX there has been no wrongdoing, which there was NO wrongdoing! But because I removed myself from the account the same day I made the withdrawal, no one but XXXX XXXX XXXX was aware that I was fully in the right to make that withdrawal and no one did their homework FIRST OR even contacted me and no one in the claims department did their job properly to see that I was fully in the right to make that withdrawal. 


-- -- - And now here I am fighting for a month and waiting for the CASG that was wrongfully removed from my Acct # ending in XXXX
Product: Credit card or prepaid card

Dear Bank of America Fraud Department, My soon to be ex, XXXX XXXX, has written 2 cash advance checks and forged my signature. I've been at the bank several times calling to get copies of the checks, and called the fraud department many times. I've been assured that the copies of the checks will be faxed to me within 24hr, emailed to me within 2-4days and mailed to me within 7-10 days. I have received only via fax the last statement of the account which I'm late on, since it is fraud ( you did not approved it ). 
The first check was on XX/XX/XXXX for the amount of {$6000.00}, and the second was on XX/XX/XXXX for the amount of {$9000.00}. 
Please send me the copies of these check ASAP as I have a court date on XX/XX/XXXX and need to show it to the judge. Also please approve the fraud as I DID NOT WRITE THESE CHECKS.
Product: Debt collection

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Checking or savings account

XX/XX/XXXX someone tried to open a Bank of America account in my name. The address associated with the account is not mine. It is fraud! The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX New York. My XXXX XXXX account notified me of the fraudulent efforts that were made by the perpetrators.
Product: Mortgage

I requested a forebearance prior to my mortgage becoming delinquent in XXXX of 2023. I had no response from loan depot. I applied again XXXX of 2023 and I fully believe that loan depot is deliberately dragging its feet on offering me resolutions. My mortgage is very low compared to the value of my home. I want to stay in my home and I want to find a mutually agreeable solution to do so. Loan depot has purposely made it so that I can no longer make payments online. My forbearance denial letter came in the mail with ONE day to spare to allow for an appeal. I want the appeal and have had two follow up phone calls in 30 days with no resolution. In the mean time I am suffering every moment waiting on a resolution to this. I have an FHA mortgage with a valid cause of divorce to allow for a forbearance.