23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been going through this for a year now I do not have an account with net credit I have sent police reports of identity theft please remove this off my XX/XX/XXXX credit report.
Product: Credit card

I signed up for the Chase Southwest Rapid Rewards credit card around XXXX of 2014 with the promotion of XXXX miles and {$200.00} off the flight I was booking when I spent {$500.00} the first three months. I recieved the {$200.00} off and XXXX welcome miles but not the XXXX miles that was advertised. I waited for more than three months but never got my miles that was advertised. I called the company and inquired about the miles. They told me that since it was passed the three months period there was nothing that could be done. They could not even tell me if there was a promotion like the one I saw while booking the plane tickets because they do not keep records of it!! Basically I had no claim of false advertisement by them since I could have imagined the whole promotion. I saw the promotion and that 's why I signed up for it. They are falsely advertising their promotion to get people to sign up. I hope CFBP look into this misleading advertisment by Chase and punish them for taking advantage of their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

at the time i was in bad standings with this company nordstroms, a inquiry appeared on my XXXX  credit file on XX/XX/XXXX of 2021 asking to extend me credit. that inquiry was not authorized by me, and it makes no sense why i would have, which means it was either a mistake on their part or fraud, in either case its not of my doing.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete & remove all listed items on my file. Ive been a victim of identity theft none of the accounts on my credit report i am aware of. This does not follow the FCRA rules. Please review an remove all listed accounts to help clear my credit report asap. This is my 2nd attempt to clear this information please delete & remove all listed accounts asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. 

My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There has been an ongoing dispute with HSBC over the HSBC master card. The balance was entirely or nearly paid off about one year ago ( XXXX or XX/XX/2018 ) and subsequently about {$1800.00} in payments were made toward charges on the account between then and XX/XX/2018. During this time, HSBC supposedly closed the account due to suspicious activity but no charges were ever reversed -- instead there are charges and interest and late fees and over limit fees and interest on those and somehow an account that had more than {$7500.00} in payments in the past year has an outstanding balance of more than {$9000.00}? 

Each time I have asked for help with this I get the " we are working on it '' followed up by no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX   XXXX {$80.00} XXXX XXXX {$4500.00} XXXX XXXX {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company for XXXX yrs and several police reports and they fixed th issues with other bureaus this company Equifax have lied never fixed anything they have reported incorrect information that have caused me not to get employment and housing. They is reporting company 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

On XX/XX/2018 I received an updated credit report from Experian and XXXX and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX with a balance of XXXX with acct. # XXXX and XXXX with a balance of XXXX with acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Consumer Loan

There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 
3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting

They have multiple entries on my credit report which is hurting my score. This account was never validated and has supposedly been removed from trans union. This was a debt that by XXXX hospital their policy is to pay for services before they are rendered. This account was paid before service were rendered. This account needs to be removed from all XXXX credit agencies due to fraud as well as multiple incorrect entries.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year> - XXXX XXXX Amount {$0.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- XXXX that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Authorized a check by phone but they took two checks out of my account. But one was authorized in one when it's not. The bank said since it was authorized once they can't do anything about it. The institution that took the check would not refund it. So a overdraft charge was charged twice because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda financial service removed a vehicle I was purchasing from my credit with all credit bureaus. I have completely paid the vehicle off and the line of credit has not been reinstated. I call every week for updates to no avail. It's like I have given Honda financial service XXXX of my money over a 4 year period with no record showing of it. This has cause extreme hardship in my life. I noticed the issue last year XX/XX/XXXX and reported this to Honda they did not do anything to reinstate they advise they removed the vehicle from my credit due to COVID relief I did not ask for this it was done without my knowledge. I paid the vehicle off early XXXX. I have been calling weekly since XXXX of XXXX. Still waiting for a manager to call me still waiting for my reinstatement now they're saying they cant help me because the account is closed its closed because I paid my debt that's not being reported this is a nightmare my credit and financial history has taken a turn for the worst due to Honda 's negligence.
Product: Money transfer, virtual currency, or money service

Requested wire withdraw at XXXX XXXX - XXXX XXXX, 2017 UTC in the amount of {$900.00} ( - {$25.00} wire transfer banking fee ) from Coinbase, Inc. and have not received the funds. Their online records show the wire " Completed '', however all attempts to contact their support have gone unanswered and I receive no response.
Product: Debt collection

When I contacted Account Services requesting debt validation pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX, XXXX  and Transunion XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX and Transunion XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.
Product: Debt collection

The original debt was to the apartment complex that I lived in. I was a victim of a violent crime and the Texas Attorney General 's office took care of the balance owed. Appropriate documentation was sent to facilitate this process. The listed collection agency continues to pursue a debt not owed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX refused to give me a free score and report when I was due one. So I was charged 2 times fraudulently as I tried to order the score and report and they refused to give it to me. When I called on the phone they hung up on me. I attempted to purchase my credit score from XXXX from their official website and paid the required fees but was not provided access even after making the payment as promised. I encountered issues where they refused to provide me with the free score I paid for 2 times in a row. Despite the attempts to access the score they never provided a resolution and never provided access online to the score and report I paid for
Product: Credit card or prepaid card

The case against Discover Discover Card XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In short, I have paid for an annual cell phone plan with a merchant, XXXX XXXX  XXXX by using a Discover Card on XX/XX/2022. After the SIM card kit from the merchant has arrived, I was unable to activate new line or port my number for weeks from the previous carrier to XXXX XXXXBy XX/XX/2022 issues were still unresolved and I have finally notified the merchant about me moving on and have asked the merchant for a refund. They did not refuse to issue the refund it but they never issued one either. At that point, Discover Card was contacted and end result was their denial to issue a refund to me by confirming in mail how merchant does not issue refunds.
Product: Credit reporting or other personal consumer reports

The following inquiries do not belong to me and should not be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Department of Education XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS Submitted a collections claim with me ( XXXX ). They stated that I owed them a sum of money but I have never entered into any agreement with COLUMBIA DEBT RECOVERY LLC DBA GENESIS.

I requested signed documentation to validate their claim against me. However they were unable to provide any documentation signed by myself entering into an agreement with COLUMBIA DEBT RECOVERY LLC DBA GENESIS. 

On XX/XX/year>, documentation was emailed to me showing a debt to a different creditor but not with COLUMBIA DEBT RECOVERY LLC DBA GENESIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citibank refuses to close my account and release funds of {$8000.00} for my account and plans on holdings funds for more than 30 days.
Product: Bank account or service

I was at HSBC branch on XXXX & XXXX in XXXX today around XXXX. Before I got on this long line at downstairs foreign exchange office, I showed one of the tellers that I have old Pound Sterling currencies which I would like to exchange back to USD. The teller nodded " ok, just go to the end of the line ''. I got at this very long line, waited nearly 30 minutes, however, when I got to front of the line, teller XXXX told me " these money are old, we can not accept '' ; she further told me that these money are good to use only in XXXX, but foreign exchange office in HSBC bank no longer accepts them. Well, I felt so mistreated!!! Why ca n't her colleague, ( the teller I showed these old money to ) notify me before I got on this very long line to wait??? 

I spoke to HSBC assistant manager XXXX, who seemed have no clue with foreign exchange policy, she kept me wait for another 10 minutes, claimed " she needs to check with the tellers '', she had no idea what types of currency notes HSBC can or can not accept, I showed her again these old XXXX pound money, she was so unsure and did n't even know what guideline as what could be accepted. I requested since the teller MISINFORMED ME that it was ok for me to wait on line to exchange and I took her WRONG advice to wait online. HSBC should at least respect customer 's time and honor this one time exchange!!! However, both XXXX and XXXX had ABSOLUTELY NO CONCERN OR RESPECT to customer 's time, they both refused to honor my one time request to change my XXXX pounds to US dollars. 

I totally wasted 40 minutes of my lunch hour with DISRESPECTFUL HSBC customer service reps and get no results!!! I had been a customer with HSBC for long time, I totally do not deserve this treatment.
Product: Credit card or prepaid card

My XXXX year old son was given a vanilla gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX.