23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Opened a Truist checking account on XX/XX/year> using promo code XXXX that triggers a promo event to receive {$400.00} when the following conditions occur within 90 days ( i.e. by XX/XX/year> ) of account opening : ( 1 ) at least XXXX qualifying direct deposit of at least {$500.00} or more is received, ( 2 ) complete at least XXXX qualifying debit card transactions. I completed the direct deposit on XX/XX/year> in the amount of {$1000.00}. I completed the XXXX debit card transactions on XX/XX/year>. I received an email on XX/XX/year> from the Truist automated rewards systems denoting that I did not qualify to receive the {$400.00} bonus. I called into customer support on XX/XX/year> and the phone agent informed me that I didn't qualify because their system failed to recognize the XXXX debit card transactions. The phone agent offered no agreement that their system was at fault and offered no resolution whereby I could still receive my {$400.00} bonus. I would argue that my XXXX debit card transactions did qualify on the grounds that they were " recurring transactions '' which is evident in that each of the XXXX debit card transactions are from the same source and in the same amounts conducted automatically ; thereby being " recurring ''. Additionally, the details described in qualifying debit card transactions does not explicitly exclude purchases through XXXX and XXXX. The ambiguity of the debit card transactions description of the bank promo reasonably favors my interpretation.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

XXXX and XXXX of 2022 I had unauthorized purchases on my account. I went to XXXX XXXX store in XXXX and got a print out of purchases. My son, who is XXXX and lives with me made purchases on his XXXX XXXX online account using my credit card.I disputed these charges and canceled card. Citibank initially denied the disputes based solely on the fact that my son has the same address as mine. I was never contacted by anyone from Citibank regarding the charges I disputed. I sent a letter to them and they re-opened the claim. Again, no one reached out to me and they closed the claim a XXXX time. 
I have several claims reported with other financial institutions and have filed a police report in this matter against my son. Citibank only asked if an arrest had been made which has not happened yet. 
I feel no investigation has been done since they never received any type of statement from me nor even reached out to me.
Product: Debt collection

Requested validation information as my right under FCRA law. Was not provided with any such information which as states in the law is against my legal rights.
Product: Credit reporting or other personal consumer reports

Tonight, I found inaccurate accounts on my credit report and I don't understand why. I checked my credit report as usual, but this time I noticed some discrepancies that weren't there before. I refreshed my browser to check if it was a technical error, but the inaccuracies persisted. Hence, I am requesting a detailed review of the documents I've provided to ensure this problem is permanently resolved.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX  XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3  bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well
Product: Mortgage

I called my mortgage servicing company United Wholesale Mortgage about a forbearance on my mortgage payment, due to loss of income. I was told that there is only one repayment option. Which is to repay my mortgage forbearance in one lump some. It also states the same on their " Coronavirus Assistance '' page. 

https : //assistanceprograms.loanadministration.com/ I don't understand how this can be any type of assistance? I am having financial difficulty due to loss of hours because of the Coronavirus, How is it " helpful '' to be told that I have to come up with a lump some payment of nearly {$20000.00} at once? The problem is I dont have enough to pay.
Product: Bank account or service

On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.
Product: Vehicle loan or lease

Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$260.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, Self financialLead BA XX/XX/XXXX in XXXX amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I am writing to formally dispute inaccurate information that appears on my credit report related to a vehicle repossession reported by XXXX XXXX. This repossession is unjustly affecting my creditworthiness, and I am requesting its removal under the Fair Credit Reporting Act ( FCRA ) due to legal deficiencies and violations of consumer protection laws. 

Upon review, I have identified the following issues that necessitate the removal of this repossession from my credit file : Violation of Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2, furnishers of credit information must report accurate and complete information. If the creditor has failed to properly validate the debt or failed to provide proper notice before repossession, this entry may be deemed inaccurate and unverifiable under the law. 

Failure to Provide Proper Notice Case law, such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that creditors must strictly adhere to contractual and statutory requirements when repossessing a vehicle. If the lender did not provide adequate notice of default or right to cure before repossession, this action may have been unlawful. 

Breach of Peace During Repossession As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), a repossession that involves a breach of peace violates consumer rights under the Uniform Commercial Code ( UCC 9-609 ). If my repossession was conducted in a manner that involved a breach of peace, it may have been legally void.

Inaccurate Reporting After Discharge in XXXX If this debt was included in a bankruptcy proceeding and the creditor continued to report it as outstanding or failed to update the status, this would be a violation of the discharge injunction under In re XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

In accordance with my rights under the FCRA, I request an immediate investigation and removal of this erroneous repossession from my credit report. Please provide a written response detailing the outcome of your investigation within the legally mandated timeframe of 30 days. 

Enclosed are copies of my credit report with the disputed item highlighted, as well as any supporting documentation. If necessary, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit card or prepaid card

Please see attached document about terms and conditions with my TDBank Credit Card. I only enroll in credit cards that have a 0 % interest intro offer. This bank TDBank, according to the attachment, said I had zero interest for 6 months. It erroneously charged me {$7.00} interest in the first month. 

I think this credit card company is pulling a scam by sending out numerous amounts of terms and conditions letters. One to get you to sign up and then others to change the rates.
Product: Debt collection

Called me at XXXX XXXX on XX/XX/24 from : XXXX Violated FDCPA by refusing to disclose they were a debt collector at all, even after asked multiple times, and only told me the name of the company after I asked instead of when initiating call. Got increasingly aggressive with me just for asking who the company is and what they do. 

Phone call was XXXX seconds and consisted of generally the following : AO : Hello, is [ name ] available?

Me : Who is this?

AO : Alliance One. Can I talk to [ name ]?

Me : What kind of business is this?

AO : *Increasingly aggressive tone* We're a financial company. I need to speak to [ name ]. 

Me : Ok, but what kind of financial company? 

AO : *Even more aggressively* This is about a private financial matter. I need talk to [ name ].

Me : Well your company name and what the company does is matter of public record. Do not contact me again or I will pursue legal action.

*I ended call*
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICE SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR METO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX ( XXXX XXXX, XXXX )
Product: Checking or savings account

I received a call from a nice lady that worked at Citibank Wire fraud department and she emailed me a document to sign and send in, however I noticed that it wants me to get it notarized. I can't do that I currently have XXXX. So I faxed it with my ID to prevent you guys from closing the case. She called me on XX/XX/XXXX and I just faxed the paperwork on XX/XX/XXXX at XXXX PM XXXX. 

I also received a notice that you took the provisional credit of {$1500.00} out of my son 's account due to you stating that we have possession of the card. THAT's NOT TRUE. HE LOST HIS WALLET ON XX/XX/XXXX AFTER HE LOST IT AT A GAS STATION. 

I have repeatedly stated this. At this point pull video surveillance he did not do this nor authorize or was in cahoots with anyone. He never received the {$1500.00} he never orchestrated a scheme from the bank. 

He can't sign the form as he's currently hospitalized for XXXX as he has underlying illness of XXXX. I'm joint owner on this account and I can sign on his behalf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This isn't a priority for him but it is for me this is my reputation and I'm not letting this go. 

I'm disputing the following items 1. {$4700.00} wire transfer 2. 2 Checks that were deposited for {$17000.00} ( Uncertain as I can no longer see that account activities ) 3. {$1500.00} ATM Withdrawal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to these company with the proper info
Product: Credit card or prepaid card

XXXX  I received notification tha t American Express was cancelling both of my American Express Credit Card Accounts. This came as a   surprise as I have never missed a payment since I have had the accounts. I called  American Express to inquire about the account closures.    I was initially told that my account  ( s )  were being closed because :  1. O n  XXXX   XXXX ,   XXXX   my   XXXX    Score was  XXXX   2.  Ratio of revolving account balances were too high 3. There is no recent information about installment accounts   4. There are too few accounts currently paid as agreed 5. Payments were being returned unpaid by my bank 6. Excessive cash advances 7. Excessive Travelers Check requests a. Never requested any Travelers Checks at anytime from American Express.
b. Only used my card once in the last 10 months for a cash advance.      c. American Express Collected  a payment of  XXXX  on  XXXX   XXXX ,   XXXX  . However , American Express  denied receiving/collecting the  XXXX  payment on  XXXX   XXXX ,   XXXX  . My bank statement denotes the payment being returned with  XXXX  reference number and shows the payment being successfully processed on the same day d. There are no late pays on my credit report. I have never had a late payment with  American Express at anyti me e. As for the ratio of revolving accounts, I only have the  XXXX   XXXX   credit c ards and no other credit account s f. Last  time I checked,  XXXX  was a soli d credit score Af ter noticing the error on my bank statement ( for the  XXXX  payment ), I conducted a brief review of my  American Express CC Statement Payme nts vs my  XXXX  Checking Account.     I discovered  two p ayments in the amount of  XXXX  each were collected on  XXXX  and  XXXX  by from my  XXXX  Checking Account and never credited to my  XXXX  accounts.     Today I contac ted American Express an d requested that they reinstate my cards. My requests for reinstatement was denied  by American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I saw on my credit where a collection had went on. I had already addressed this issue with XXXX XXXX XXXX and another debt collection company that this was fraud. They agreed and took it off my credit. Now a year later another company is trying to collect on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.SC. 1681 Section 604 A Section 2 : it also site also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$9000.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had lost my job and was able to find new employment however, I was falling a little behind in the payments. I contacted the lender and was able to make payment arrangements. The agreement was that if I never missed any payments they would not send this account to collections. I honored the agreement and unfortunately the lender did not do the same. The representative I initially made the arrangement with told me that I was in no danger of this account being reported to collections. Unfortunately, they reported this account to collections. This collection is in error and having it on my credit report is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurated and false collections on my consumer report from American Management Service the original creditor is XXXX XXXX ( acct # XXXX ). I do not nor have I ever had a contract with this collection agency or the original creditor. I requested a copy of the original contract from both parties and neither was able to do so. I also did my research on American Management Service which is not only not authorized to collect a debt in the state of Tennessee but in any state. Proof is attached with this complaint.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that XXXX XXXX XXXX was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account which PayPal said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed PayPal made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to XXXX XXXX XXXX who can not be reached. PayPal would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if XXXX XXXX XXXX XXXX a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. PayPal needs to be held accountable for the money they steal from clients and small and large businesses alike. 

PayPal even erased my transaction history, to hide their tracks.