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

I sign up with credit repair and was paying them month, i didnt know it was a scam until it was told to me i was trying to see if i received a check Ive moved so Im not sure if the check was mailed to my old address but if so i would need the check to be mailed to my current address.
Product: Debt collection

No contract about these debts. Never got a bill or anything from these medical agency that are more than 3 years old. Stop attempting to collect on fraud information and fraud medical services. They have NO contract. 

So the credit agency attempts to stalk, contact, email excessively. 

Please tell them to go away. 

XXXX http : //www.cbbcollections.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I am requesting for Navy Federal Credit Union to remove and delete these fraudulent credit cards from my XXXX credit report or legal actions will be taken against your company. I have never had any accounts such checking, saving and credit cards with Navy Federal. Someone stole my personal information to obtain these fraudulent accounts in my name. 

1. Navy Federal Credit Union Account ending # XXXX Balance {$5200.00} 2. Navy Federal Credit Union Account Ending # XXXX Balance {$1100.00} I have attached a copy of my police report and FTC report to this correspondence requesting for your company to remove these fraudulent accounts from my XXXX report as well as out of your system database. 

I also included correspondence from XXXX showing where these fraudulent accounts were removed but there were reinserted on my credit report without me being notified within five days based on FCRA. 

Navy Federal has violated my rights. Please honor my request by removing these fraudulent accounts from my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't know this employer
Product: Checking or savings account

I got married and received 30+ checks from wedding attendees as wedding gifts. I opened a joint checking account with wife and deposited the checks with chase on XX/XX/year>. 24 hours later the checks deposited into the account and were able to be spent. The money was not spent, but transferred between the checking and savings accounts opened at chase, and not spent. Chase then closed my account and wont give me the funds till every period that write the checks answers a random phone call from chase and answers investigative questions to verify they wrote the check. Every person! I got on the phone with them again to explain to them that doing that is unrealistic because getting 30+ people to answer a random call and answer questions is weird. A high up representative that I got to after explaining my situation to agreed that its unrealistic and said a manager will call me back and within 48 hours. No manager called after 48 hours so I called them and explained my situation again for 3 hours and 15 different representatives that all tell me to wait for a call within 48 hours and then I get no call. Ive done this for weeks now and have received no calls from a manger. Ive called chase for a total of 16 hours on the phone and they keep repeating the same thing and not giving me a call back. I stay on the phone for hours and they tell me they cant do anything. Chase is unethically holding my money with no explanation and I fear they are never going to give it back.
Product: Debt collection

The mortgage company Rightpath, finally updated my account and I have been unable to reach the attorney they hired to start foreclosure on my home, XXXX XXXXXXXX. I have left at least XXXX messages to stop this foreclosure with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my LexisNexis Report on XX/XX/XXXX, over the years I have been trying to correct the data they are selling to creditors to no avail. This company is reporting outdated information as far back to XXXX. The question become if this company are required or under the FCRA, then why are they reporting staled information that over XXXX years old? 
This type of acts is unfair to the hard-working consumer and the CFPB should step in and protect consumers like me. If possible, a new legislation by Congress should conduct a new law to prevent this from happening to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and  incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these  discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my Equifax XXXX and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my Equifax XXXX  and XXXX reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from my 3rd party credit monitoring service ( XXXX XXXX ). They informed me that my score had changed. I logged in and was shocked to discover that my credit score had dropped 37 points overnight. I was devastated. The previous night I had a Credit score of XXXX, the next morning XXXX. I had no credit related changes occur, and the only clue in the event was : XXXX XXXX Remark Removed From Account. 

I called the major credit bureaus ( Equifax, XXXX  ) and corroborated this information. Was there was anything on their end that was the apparent cause? Everything looked good and there were no negative remarks, from each of the reps vantage point, they could see no cause which would justify the sudden drop. I initiated a dispute with XXXX  to further investigate a possible cause, which was fruitless. ( Please see attached Credit Reports ) I called XXXX XXXX and it took me a few tries to reach someone who was aware of the issue, and wasnt willing to hang up on me. Alas! We discovered that around the XXXX of XXXX is when my account underwent some kind of change ( I was in general forbearance prior to change with good account standing ) I believe the change might have been relate to the student loan pandemic assistance special forbearance. I was reassured that they were aware of my type of case and that It should resolve itself For others, it has! I see similar cases on XXXX for example which sound really close to mine : https : XXXX Their issue did resolve on its own, and Im really happy for them. Im hoping I can be one of those people some day! 

I still dont really know what the true reason in my special case. 

Though, I do have a theory on why it may have not automatically resolved ( algorithmically ). Could it be that the proximity of my dispute with XXXX  might have put my account in a separate bin, and when the function ran, perhaps my account was passed over and the fix not applied? 

I am hoping this dispute adds some formality my struggle with this, and shines a light for others who may be experiencing this! 

I write this now on this XXXX day of XX/XX/2020. 

Thank You for Your Time!
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

My bank account information and personal ID was shared with Early Warning without my written consent
Product: Debt collection

Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.
Product: Debt collection

I have sent several Debt validation letter and All i ever get back from the company is that they have confirmed my name and address and amount. This is not proper verification as to confirm that I have a debt with them. Or does it confirm that they Legally own the debt.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Hello, I received email with advertisement showed Premier Rewards Gold Card from American Express with Bonus offer : Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 

Premier Rewards Gold Card from American Express Earn XXXX Membership Rewards Points after you use your new Card to make {$2000.00} in purchases within the first 3 months. 
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases. 
No Foreign Transaction Fees. 
{$100.00} Airline Fee Credit. Up to {$100.00} a calendar year for baggage fees at one airline. 
Get a {$75.00} hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/XXXX. 
{$0.00} Intro Annual Fee for the 1st year, then {$190.00}. 
Expanding merchant acceptance : Over 1 million more places in the U.S. started accepting American Express Cards in the last year. 
Terms Apply. 

When I went over American Express Premier Rewards Gold Card Cardmember Agreement, I did not found any restriction regarding XXXX bonus points. 
I normally call to Credit Cards offices to make sure I have all information. 
I called to customer service and asked if they have any restriction for me to apply.. 
Amex representative placed me on hold and a few minutes later reply that I am OK to apply for card with bonus and she can do this over phone. I said that I will proceed online to see result. 
I was approved and spent {$2000.00} within next 90 days. I waited for XXXX bonus points, but 4 weeks later got nothing. My call to Amex got me nothing. Representative said to wait more. I waited to complete billing cycle and still the same result. This time, when I called, Representative made a quick research and told me that I had this card before and not qualified for Bonus. 
When I told her about info from her co-worker 3 month ago, she agreed that it was card with different bonuses, term and condition, and as she remember it was not lifetime restriction on bonus at that time. She said it may be a reason for Representative to reply to me the way it was done : You did not have this card. 
I made inquiry to Higher tier to resolve my issue, however on XX/XX/2018 phone conversation with XXXX bring no result. She apologized for misleading information from her co-worker, but could not bypass Offer Term. She promised to report issue to corporate office for future. 
If trained employee could not explain written policy the same way, how regular customer can do that? 
In my opinion, Bonus of XXXX points have to apply to my account and term and condition should be written the way it not being Confusing or misleading advertising about the credit card. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had lease XXXX XXXX, lease end XX/XX/2018. ( Premium is paid automatically my bank account at XX/XX/2018 XXXX offer me New lease XXXX XXXX at XX/XX/2018. 
If I lease XXXX XXXX XXXX again, XXXX offered me that I will return my current XXXX XXXX without paying my lease payments three months in advance. 
I leased XXXX XXXX XXXX at end or XX/XX/2018. 

XX/XX/2018 I, XXXX XXXX check my credit report. 
Credit report late and none payment of XXXX XXXX before I had. ( around {$1000.00} ). 
I, XXXX XXXX have been a lot of financial problem because XXXX made wrong credit report. 
XX/XX/2018 I called XXXX XXXX finance. 
Never say excuse and if they made mistake, they do not call me. 
If I need, I must call them. 

This XXXX is so bad company for customer services. 

Pl help and collect my credit report. 

Thank you.
Product: Credit card

Subject : Formal Complaint - XXXX XXXX XXXX XXXX Account # [ last 4 digit XXXX ] Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding discrepancies in the rewards points associated with my XXXX XXXX XXXX XXXX account. My name is XXXX XXXX, and last 4 digit of my account number is XXXX. 

I applied for the XXXX XXXX XXXX XXXX  with the understanding that I would be eligible for a bonus of XXXX points, as clearly advertised by Bank of America in their promotional materials. I have attached a copy of the advertisement for your reference. 

However, upon receiving my approved XXXX  card, I discovered that I was credited with only XXXX points instead of the advertised XXXX points. This discrepancy is a direct violation of the terms and conditions outlined in the promotional material, and I am seeking your assistance in rectifying this matter. 

Key Points of the Argument : Advertisement Discrepancy : The promotional material clearly stated that a XXXX bonus would be awarded upon approval of the XXXX XXXX XXXX XXXX 

Proof of Advertisement : I have attached a copy of the advertisement that clearly supports my claim. 

Actual Reward Received : Despite the advertised bonus, I only received XXXX points upon approval of the XXXX card. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Bank of America rectifies this situation by honoring the originally advertised bonus of XXXX points. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly. 

Sincerely,
Product: Checking or savings account

I received a XXXX XXXX XXXX in the amount of XXXX. I made an attempt to try to deposit it mobile on their app. Then I was told that their limit was {$5000.00} so I then went to a branch the next day. the branch explained to me to scratch out the previous date written on the back of my check and then she called her branch manager over to ask for the nature of the check I told her that this check is an indemnity payment from XXXX XXXX for my loses. The teller and the manager told me to scratch out the previous date and sign and initial the back of the check and which I did. The teller told me that {$400.00} would be made available and that the following day all of the money would be available. She provided me with a receipt. The money was later made available around XXXX. I begin to pay some debt and after XXXX XXXX, Wells Fargo put all of the money out of my account And left me XXXX negative. I called her XXXX XXXX number for the reason and the reason was because of the endorsement in the back of the check they took my money because of what the tellers told me to do after all my money was in my account. They are holding my check now until XXXXXXXX XXXX XXXX
Product: Debt collection

I left XXXX on XX/XX/XXXX and transferred all XXXX phone to XXXX XXXX  and on the next month I reserved a bill from XXXX for XXXX of the phones I went to XXXX to get it fixed and they said it was fixed and that should have not happen because I had not finished the month with them and they owed me XXXX for that month. Next month I get a bill again for the phone line again saying I owe them. Went to XXXX again and was told that it was all set. Still no check for the XXXX. Next month got a letter from a collection agency for the bill from XXXX. Went back to XXXX and after 2 day wait they said sorry can't help deal with the collection company. Still no check for my XXXX for not finishing the month XXXX that I paid for. Any help would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of refinancing our home and current creditor ( XXXX XXXX  ) let us know their was a current loan affecting available refinance rates. Loan was from Lending  Club Bank in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted Lending Club Bank and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.