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

I opened this First Horizon checking account inXX/XX/2024 when the following account opening promotion was going on : receive a {$450.00} bonus when you open a new checking account and complete the following requirements : 1 ) Maintain a {$5000.00} average daily balance, 2 ) Conduct a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first three full statement cycles I have met all the requirement for the bonus but the bonus was denied by First Horizon . According to the bank, my average collected balance for the first full statement cycle was less than {$5000.00}. After reviewing my account, I found First Horizon used a treacherous and unethical tactic to deny people 's bonuses. 

My account was opened on Thursday, XX/XX/XXXX. The first full statement cycle started on either XX/XX/XXXX or XX/XX/XXXX, since the first statement came out on XX/XX/XXXX. When the first full statement cycle started, it left me only 3 business days to get the funds in the newly opened account in order to satisfy the requirement. This is a mission impossible, given transfers between banks take longer than that. 

When I opened this account, I wasn't informed of that first full statement cycle would start in less than a week. I question how this XX/XX/XXXX date was chosen. After reading some posts on some online forums, I found there are many others have experienced same things and their bonuses have been denied by First Horizon using the same rhetoric. If people 's suspicion is correct, the bank purposefully pick a date so close to the account opening date, so that it can easily deny the bonuses people deserve.
Product: Debt collection

In XXXX of 2016, I disputed several debts that were showing negatively on my XXXX credit report from a company named ALLIED BUSINESS SERVICES,  XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. This is a third-party company used by the original creditor XXXX XXXX Hospital to collect medical debt. I asked for validation to these debts as I hold private insurance which would have covered the cost of any submitted bill. Allied was unable to provide such proof leading me to dispute this information. I submitted a case for the debts online using XXXX. The case number for those disputes was XXXX. On XXXX XXXX, 2016, I was notified by XXXX that those accounts would be deleted from my credit bureau. This information is included in my attachment. However, nearly four years later this company still continues to report negatively to my credit report each month, severely impacting my credit score. XXXX is reporting amounts of {$510.00}, {$450.00}, {$250.00}, {$250.00}, {$240.00}, & {$180.00}. XXXX is reporting amounts of {$450.00}, {$250.00}, {$510.00}, {$180.00}, {$240.00}, {$250.00}, {$510.00}, {$240.00}, {$250.00}. I believe several of these are duplicated and incorrect thus further impacting my credit. I am alarmed that the outcome of a dispute was to delete the file and they continually report incorrectly. Additionally, I am very concerned that this company is unable to provide proof of the debt, but demand that I pay it and negatively impact my credit month over month.
Product: Credit reporting or other personal consumer reports

Please provide the documentation that DEPT OF EDUCATION provided stating I was late making the payment. All payments were autopay and never 10 days past due to report. 
According to 15USCCODE1681b and 1681c2 to report this account you must have proof of me making a payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # 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.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, credit repair services, or other personal consumer reports

Please delete the fraud alerts and extended fraud alerts from all 3 bureaus TransUnion : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION.
Product: Credit card

Chase advertises XXXX Pink membership for Chase Sapphire Reserve card. I had the membership activated in my account and I was getting the benefit before. 

Chase issued a new credit card number because of a fraudulent transaction. When the new card number was entered to XXXX, it was no longer getting the benefit. I reached out to XXXX and I was told that the card was not eligible for XXXX Pink benefit. Benefit could only be active when the card was added for the first time. Since the card was re-added ( because of the card number change ), I was no longer eligible for XXXX Pink benefit ( screen shot attached ). 

Chase failed to inform their customers about the effect of credit card number changes to the advertised benefits ( XXXX in this case ). The change of the card number was not a choice ; it was changed because of a fraudulent transaction. 

I tried to resolve this issue with Chase since XXXX with multiple calls without any resolution. Chase and XXXX were pointing at each other.
Product: Debt collection

Convergent showed up on credit report, even though it is not mine. Debt need to be validated, or it needs to be removed. Account : XXXX
Product: Debt collection

there was a collections account reported on my credit profile which is not mine. My social was used in creation of the account and now is delinguent XXXX dollars. This was done without my consent or knowledge. The collection is for a utility company in XXXX and I have no knowledge of the account. At the time of account creation I was consistently living in nj and had utilities under my name at the nj address. I like this to be resolved as this resulted in a significant drop in my XXXX XXXX. this is effecting my family 's and I 's well being and livelihood. Please help
Product: Debt collection

On XX/XX/year> at XXXX I received a text message about a debt from XXXX XXXX XXXX XXXX and the number to call. I called XXXX at XXXX, and spoke to an operator. I verified my personal information and told her that I do not owe this debt and needed signed contracts and proof of services. The operator also did not disclose that this was a collection agency until minutes into the phone call, which I feel violates that FDCA. She was confused so I asked for a supervisor. I was transferred to " XXXX. '' XXXX told me they would validate the debt on the " next run. '' When pressed for specific information such as a signed contract and proof of service, XXXX kept trying to give me a phone number for " consumer affairs. '' I do not want to call another number, nor should I when the number i received was the one I called. XXXX refused a manager higher than her. When asked if she ran the company her response was " no one else is available to speak to you. '' This was a very frustrating phone call. I was placed on hold many times for XXXX to reach the " consumer affairs '' department and I offered to hold all day. XXXX ended the call. When I called back in at XXXX I was transferred directly to " consumer affairs '' in which I was told that getting this information could take up to XXXX days total which is unacceptable. This debt is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 accounts listed violate my privacy rights. I did not consent nor authorize for the accounts to be reported on my credit reports. 

Account Name XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX medical center
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not updating my credit score. Failing to report, and add or remove relevant information. Credit score hasnt changed in XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon CFBP I'm sick of Experian credit reporting agency! These Folks needs to be Taking down by the CFPB & FTC  I was going Over my credit report today I noticed a XXXX XXXX XXXX  account has serious 3 FCRA Violation account has been charged- off Experian is reporting but Not Showing who the account was sold to? VIOLATION # 1. XXXX XXXX XXXX  is no longer The owner of the account VIOLATION # 2 THE ACCOUNT IS STILL SHOWING A {$5400.00} PAST DUE BALANCE HOW THE XXXX DOES a charge OFF ACCOUNT HAVE A PAST DUE??? EXPERIAN????????????? 
VIOLATION # 3 ACCOUNT IS STILL SHOWING A BLANCE TELL ME HOW A CHARGE OFF HAVE A BLANCE AND MOST OF ALL XXXX XXXX XXXX WOULD NOT BE ABLE TO REPORT THE BLANCE IF THEY SOLD THE ACCOUNT EXPERIAN MOVE THIS FROM MY CREDIT FILE TODAY YOU LUCKY I DON'T SUE YOU
Product: Debt collection

Over the course of about 2 1/2-3 weeks in XXXX, I received constant repetitive calls from Procollect Collections Agency. I have had to block the number from my phone as a means to stop constant calling due to the interference of these calls in my personal and academic life ( I am a student and was receiving these calls at different periods throughout the day ). These calls are repetitive, annoying, and I am being harassed by the employees of Procollect. Additionally, I never received any kind of mail/validation of debt from Procollect and was not made aware of my right to dispute.
Product: Credit card or prepaid card

On XX/XX/2022 I tried to access to my Capital One Credit Card Online to make a patient for my car loan but I could not access because someone created an ID and Password for my account with out my permit I never create any account to access online. I call right away to my Credit Card Capital One and explained what happen and requested a password to access to my account. My big sosprise was went a review the credit car account it was open a Credit Car with my name XXXX XXXX XXXX XXXX XXXX but the address on the Credit Card account is not mine this home address appears in the account XXXX XXXX CT XXXX XXXX, CA XXXX Somebody have been using a Credit Card with my name but another address since XX/XX/2022. 
I also see this addresses on my Credit Reports and phone number that are no mine. 
XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX sent me court documents in the mail on a inactive case in which the judge ruled in my favor on XX/XX/2015. She tried to deceive me with the information that she sent me. She did not file a new Civil Action : with Superior Court Of New Jersey XXXX XXXX XXXX XXXX XXXX XXXX. The documents stated that I had to respond in 7 days to opposed or unopposed, if not, the order of garnishment of wages will be carried out. Back around in XXXX was her first attempt to collect my debt and this is her second attempt to collect my old debt in the amount of {$6900.00}.
Product: Student loan

The Sallie Mae rep lied to me. I called to tell them I was recasting my mortage and needed to defer my payments for up to 3 months untill the mortage process was complete. The rep instructed me to send in {$50.00}. to start the 3 month payment deferment. I did that and was called a month later saying I was late and I now needed to send in XXXX payments or it would go against my credit report. I told them aboth the deferment and the money I sent and they said that was not the process, I told them it was the process they told me and I did my part. they just kept calling me XXXX to XXXX times a day to tell me my credit would be effected if I did not give them a payment over the phone before friday XXXX/XXXX/15. I mailed the payment in full on XXXX/XXXX/15 and they show recieving it on XXXX/XXXX/15. Each time I called them I was given a different explanation for what they did, but the bottom line is I did what I said I would and they lied to me each time we talked and tried to intimadate me into giving them my banking info so they could take a payment out. Each call with them says it is being recorded so there should be proof as to what im saying. 

XXXX XXXX
Product: Checking or savings account

In late XXXX ( XX/XX/23 ) I realized I had written a check that was not going to clear so I stopped in at a branch and spoke to a Bank of America, XXXX representative named XXXX XXXX at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This representative told me that the check would be cancelled and no adverse action taken against my BoA checking account. Later that day, I could not log in to the Bank of America App so I called the XXXX number for help, at which time I learned that my account was in the process of being closed. I asked the rep on the phone, XXXX, how that was possible when the rep earlier told me at the branch it was going to be fine. I was not notified via email or mail. Bank of America just froze my assets and began closing the account without notice to me after telling me it was all set. When I drove back to the branch, I saw XXXX XXXX again and explained what the rep on the phone was saying. She tried to call risk management to stop the closure. We spoke to a supervisor named XXXX who said we would have to call back tomorrow to see if there was a decision made. I followed up with the following day and it had been determined that my account was going to continue the closure and that I would receive a check from the Bank to my address on record. I asked if I could pick up the check at the branch and I was told no, it must be mailed to me. I was told it could take up to sixty days. I called back in XXXX and was told the check was mailed in XXXX. When I asked to confirm the address it was mailed to, I was told it was mailed to an unrelated address on my account. I was told that it was mailed to an address in XXXX, Massachusetts. In no time since I have opened that checking account have I had an address associated from that town. Bank of America sent the cashiers 's check that had two weeks wages from XXXX to an erroneous address and when I pointed that out. They told me I would have to wait for that cashier 's check to expire before they could correct the mistake. When I first opened the account, I shared that I was a member of the XXXX XXXX XXXX in Massachusetts. I was given a hard time about opening an account with the parameters of the Massachusetts XXXX XXXX XXXX, which is a violation of the VAWA act. I can't help but feel that Bank of America has violated it's fiduciary responsibility in lack of communication and not keeping accurate banking records or addresses. The fallout of my wages and money being withheld from me by Bank of America has now brought me in housing court for an eviction case for my family, of which I am a widowed single mother battling XXXX. I don't need additional complications from an incorporated entity that carelessly mis-allocated my earnings and subsequently failed to rectify their error. I am not in a position to cover Bank of America 's fiduciary mistake.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXXXXXX XXXX ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Prepaid card

I have a prepaid gift card through AMEX and recently made a few purchases through XXXX. Most orders went through but my recent order was declined. The order was in the amount of {$320.00} and the current balance on the prepaid card {$450.00}. So plenty of fund to cover the order. Called AMEX and was told to choose a different merchant even though the prepaid card worked on previous XXXX orders.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint regarding fraudulent activity on my credit report. After conducting research on how to remove these fraudulent items, I learned that I need to visit the Federal Trade Commission website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, XXXX XXXX XXXX are required to remove any items listed on an identity theft report. My reference number is XXXX. Attached to this complaint, you will find the necessary documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Below is a list of items that were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XX/XX/XXXX 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 CT XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items in a consumer 's file that are identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX