23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I was prompted with an offer for Wells fargo " active cash credit card, ' which promised a XXXXXXXX XXXX bonus if the required spending amount was met within the first three months of use. I promptly began using this credit card for all my purchases and racked up/simultaneously paid off several XXXX dollars in purchases by XX/XX/XXXX. When I called the credit help line to ask when I would receive my XXXX XXXX bonus the woman I was speaking to ensured me that I would receive it by XXXX at the latest. In XXXX I called again and they informed me at first that I did not meet the spending amount to receive the XXXX $ bonus but as I began to argue and list of the charges I paid for throughout the summer I was repeatedly transferred to different call agents who all agreed that I had in-fact made the qualifying amount of purchases and that they did not know why the reward had not come through. One agent tried to argue that there was no XXXX $ bonus offer and I pulled up the webpage which still had the advertisement up and read it to him, I was then transferred again. That phone call lasted nearly two hours before I became so frustrated that I begged the next agent I was transferred to to listen to my story and escalate the action. He then noticed that in XX/XX/XXXX my account number changed because my wallet had been stolen, the old card deactivated, and a new card was created with a new account number. According to this individual he could not access my account number for the previous card but ensured that I did qualify for the reward and was unsure why some individuals had contested because " [ I ] clearly qualify for the bonus, and made necessary purchases. '' He informed me that all my comprehensive credit card history reports were to be sent to my address and that one I received them, to call and give my old credit card account number and that I would then receive the bonus. Meanwhile I was located in HI for college and did not return home for several months. When I did return home I gathered the documents and finally called to figure this out in XX/XX/XXXX. I was then told that despite what I had been previously assured multiple times, my account was not eligible for the reward because the advertisement did not apply to everyone. This was not indicated in the original offer I received when I signed up and they asked for a screenshot of the offer ( from over a year ago ) to verify this. I had deleted all my old emails for computer space and did not have the email so they simply ignored my request and denied my reward. This is fraudulent activity and an unfair use of situational shortcomings to deny a rightfully earned reward. I have requested the recordings of my previous phone calls as evidence that I was ensured I qualified multiple times and they denied it, leaving me with this letter as my only option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to TransUnion XXXX and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus Transunion XXXX and XXXX credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, XXXX XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is trans union, they have removed all accounts except for XXXX and XXXX 
XXXX and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Credit reporting or other personal consumer reports

I have tried contacting Lexis Nexis for 4 days to unfreeze my credit score and the number provided has you on hold for hours at a time. Then when someone picks up, nothing is said and the line disconnected. Which causes me to start the process again at no avail. 
Furthermore, there is not an option online to remove the freeze. I'm completing a refinance process and needed unfrozen for 60 days. However, their is no clear path to do this and I'm now on jepordy of losing my interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I was traveling when my identity was stolen. Once the XXXX XXXX add was put onto my account i changed my password and card number. I called XXXX they opened a case with case id XXXX. I DO NOT HAVE XXXX XXXX XXXXXXXX has a report also stating such. I then called chime was advised bc pending unable to do anything. In the meantime 2 more pay anyone charges added to my account. 1 dispute has been approved the other i also am having a 3rd rebuttal. A police report is attached to all claims. I also closed my XXXX XXXX account due to identity fraud and reported additional information as fraud with credit bureaus. Due diligence is not occurring continuously denying my dispute will result in a Consumer Federal Protection Bureau dispute. ISSUE MY PROVISIONAL CREDIT AS THE INVESTIGATION SHOULD TAKE MORE THAN 24hrs. Per Cincinnati Police department district 2 and XXXX CHIME HAS NOT CONTACTED THEM ABOUT THIS ISSUE. The handling this case is in violation of regulation E i was traveling when my account was taken over. There are 3 disputes all due to identity fraud. Dispute # XXXX for {$29.00} was APPROVED. This is the exact same payee on pay anyone for this dispute. Neither of these transactions were made by me. My identity was stolen and i also had to close my XXXX XXXX account due to fraudulent charges made the same day. For this dispute i included the police report, receipts showing i pay rent to XXXX XXXX regularly and have done so through chime as well. I do not pay a person rent i rent through a realty company only. I included screenshots of my travels as well. This charge was not made or authorized by me whatsoever. My claim keeps being denied within 24 hrs without due diligence occurring.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX CURE COMPLAINT # XXXX ( Civil liabilityforwillful noncompliance. XXXX. XXXX. ) NOTE : No steps taken to remove the collection, or steps they will take, to address my complaint. 
Under the Fair Credit Reporting Act. The Listed collection account below by Equifax continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks 1 collections- XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

My name is XXXX XXXX. Phone number XXXX. 
I requested ( Goldman Saks person name XXXX ) apple card collector to not called at this number ( XXXX ) or any other number on XX/XX/year> @ XXXX XXXX XXXX. To put all communication in writing They called me again today at XXXX XXXX XXXX to collect on the account from number XXXX. This is a violation i want to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted some reports for fraudulent accounts on my credit report and Equifax did not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )
Product: Debt collection

I have written this company several time as to how they verified that I owe them with out any response. 
1. Original contract with my signature.

2. Proof I have a legal contract with the company.

3.How did you verify the information you have 4. This debt is not mine.

ABILITY RECOVERY SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XXXX/2023
Product: Debt collection

I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX  and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to
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 Bureau 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 : Account name : XXXX  Account number : XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

Card Issuer : Citibank I had taken advantage of two low-interest offers ( " XXXX  XXXX '' and " XXXX XXXX '' ) on this card, both of which expired on XXXX XX/XX/XXXX, and moved to my regular " purchases '' balance, which had a higher interest rate, on XXXX XXXX ( amounts of {$2800.00} and {$39.00}, respectively ). On XXXX XX/XX/XXXX, I made a payment of {$3000.00}, which was more than sufficient to cover the balances plus any interest that should have accrued on them in 3 days ( 24.99 % * 3/365 * [ {$2800.00} + {$39.00} ] = {$5.00} in interest ), and which should have been credited toward the highest interest balance portion of my account, the " purchases '' balance. I also had another low-interest balances on this account which had not yet expired ( " XXXX  XXXX '' of 0.99 % until XXXX ). 

Although XXXX  XXXX was not the highest-interest portion of the account on XXXX XXXX, the payment was improperly credited toward that portion of the balance. I noticed on XXXX XXXX that interest was accruing on this card, and found that this had occurred. 

I contacted customer support ( XXXX, XXXX XXXX  PST ) to complain, and spoke to XXXX XXXX He informed me that the amount had not yet moved into my " purchases '' balance, and that that was why the payment was credited to XXXX XXXX. I told him I understood that that was what had happened, but that it was not correct and requested that he fix it. He said that there was not an option to do that. I immediately requested a supervisor, and he got XXXX on the line. 

XXXX explained the same thing, and then offered to put my Purchases balance on 0 % for 6 months. I told her that was inadequate, and that the interest that has accrued needed to be refunded as well. Eventually, she agreed to do that and stated that a credit of $ XXXX would appear on my statement within a few days, and that my purchases balance would be at 0 % until XXXX XX/XX/XXXX. 

This was acceptable to me, and while it resolves this immediate issue, does not resolve the fact that Citibank is systematically doing this, and thereby charging unknown numbers of customers hundreds or thousands of dollars in improper interest charges. 

This was, in fact, at least the second time this issue has occurred to me. Previously, I had a similar situation in which I made the payment on the same day that the low rate expired, which is why I intentionally scheduled this payment 4 days later. ( Citi did eventually resolve that particular issue to my satisfaction, but their system is still clearly set up to charge improper interest. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian XXXXXXXX XXXX XXXX Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to XXXX, Experian, and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided XXXX with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry on my XXXX credit report. It was from XXXX on XXXX XXXX, 2017 for what XXXX identifies as Bank Credit Cards. This is their address and phone number : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX. 

I have spoken with Citibank 's fraud department asking why I have a hard inquiry from them and they told me someone tried to open a credit card account. They have given me the run around and will not remove the inquiry.
Product: Debt collection

this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.
Product: Credit card or prepaid card

XX/XX/2021 I had 5 credit cards that Synchrony Bank was the creditor : Belk, TJX, Amazon Prime, Gap and Pay Pal. Suddenly these accounts were closed. I received letters from Synchrony stating that the reason the accounts were closed : Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. 

I don't understand why this has happened. I have never been late in paying for my cards and I have been most recently paying the cards directly through electronic transfer from my bank. I had them on auto pay to pay them on time. 

I did not owe a vast amount of money to any of these cards. I paid off the balances tonight except for the Gap which will require a little more time. 
The customer service representatives would not give me any information on the cancelling of these accounts except to say I would receive a letter. Now I have the letters which don't offer a reasonable explanation based on my payment history. 

The cancelling of these credit cards trashed my credit rating. I found out about the cancellations through a report from XXXX XXXX when I noticed the credit rating drop, I guess due to the fact that I no longer had the amounts of credit that had been granted to me through the now cancelled cards. 

An additional slap in the face was a denial of a new Amazon Prime credit card application that I submitted through XXXXXXXX XXXX. I imaging that will also negatively affect my credit score. 

I don't understand why paying down my credit cards resulted in the removal of the credit. Could it be that I am about to turn 70 in a few days?