23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

BAC has charged me a fee for a " retuned check ''. I've tried to check my BAC online payment activity from which the attempted payment was made. Each time I go to the " payment activity '' button in my account I'm locked out of the info. I called BAC customer service and XXXX was glad to accept my telephone payment but a fee like that was hard to reverse. The transaction was an ACH and not a returned check. When I said I couldn't get into the payment activity screen she said to call technical service. I called them today and they said I had to talk to customer service to find out why I'm locked out. 
BAC sent me a letter saying they had closed my account but XXXX said no, it's open.
Product: Credit reporting

XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I summitted a dispute to Transunion because in my credit report appear a credit inquiry from XXXX. XXXX express me that they dont have record with my security number for a credit inquiry and foe this reason they cant removed this. 

At day to dateTransunion dont respond to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi d.o.b XX/XX/XXXX was awarded {$370000.00} by settlement and montary aberrations for a auto accident that occurred XX/XX/XXXX at XXXX in the county of XXXX in the city of XXXX and the late XXXX XXXX XXXX was my attorney and my money was in the Clint trust of the law office of XXXX XXXX XXXX and the appointed receiver XXXX XXXX XXXX of XXXX Detroit after I came fourth in a timely manner and claimed my trust that was remaining gave me only small amounts a few times after giving me a hard time and I had to go back and fourth numerous times has denied me all of my untitled remaining sum the bank was chase and XXXX  branch was of or XXXX XXXX XXXX Michigan he still to this point in time is denying me my money and I have informed all of XXXX as well I have many witnesses who I brought with me in person to my defense please contact me at your up most earliest of a convenient availability thanks you for your timer With desperation XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Daughter is a beginner credit recipient and was denied due to no credit. A licensed medical professional with a full time job and zero debt. As to myself, I am very well established with credit so I signed as a co-applicant. The second application was also disapproved and the denial letter stated " Unable to approve the other applicant ''. Makes no sense to me since I signed as a co-signer who has exceptional credit dating back for more than 30 years and the letter was referring to my daughter who has no credit history. 

I did speak with Synchrony Bank XXXX  XXXX XXXX. support agent, a supervisor, and two managers. All provided some sort of a version as to why and in the end, the last manager stated we can not see the reason why I was denied. Confused as to why one agent, supervisor, and the first manager vividly stated the reasons to my application denial yet the final manager I spoke with stated she does not have access to any of that info nor does the other representatives. Deductive reasoning leaves me with personnel making general statements to appease me so to end the call. 

In closing, I can pay cash or credit for the dental services we are trying to obtain for my daughter. This would have been an opportune time for my daughter to establish credit with a well established Co-signer to back this endeavor. I would like to know in greater detail as to why we were denied especially if it was an automated program that processed and disapproved the application. In the end, this interaction has persuaded me to co-sign for my daughter 's credit venture through another financial institution. I was both embarrassed in public and disappointed at Synchrony Bank 's decision .... Carecredit.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

XX/XX/XXXX I was on a flight to the XXXX XXXX XX/XX/XXXX JetBlue credit card ( Barclays XXXX ) opened in my name, using my name, address and email XX/XX/XXXX Credit card used** and flights booked in my name ( see additional note from JetBlue below ) ** During XXXX week of XXXX, card was used several times and items booked or purchased Total expenditure of {$4400.00} was accumulated XX/XX/XXXX I came back to the XXXX from the XXXX XXXX and arrived in XXXX XXXX XXXX XXXX I came home and reviewed mail which was awaiting my return XXXX item was the welcome pack from JetBlue/Mastercard , for a card I never opened XX/XX/XXXX I contacted Barclays to confirm I did not open the card ; I was informed there was a large outstanding balance, to which I again confirmed I knew nothing about the card nor requested the opening of the card Barclays confirmed they would freeze the account and investigate the issue XX/XX/XXXX I received as response from Barlcays that they had concluded their investigation and they have deemed the card to be correctly opened, used and owned by me and therefore the debt belonged to me Info from JetBlue confirms ; **Can I use my JetBlue credit card before it arrives? 
No, you can not use your JetBlue Plus Card instantly after approval. You'll have to wait around XXXX business days to receive your card in the mail to be able to use it. However, you can request expedited shipping ( for a {$15.00} fee ) and have your JetBlue Plus Card delivered within XXXX business days I was out of the country from XXXX XX/XX/XXXX and only received the card when I opened the envelope on XXXX card was used XXXX and XXXX, XXXX day after opening the account when I was in the XXXX with no access to XXXX welcome pack At no stage have I ever activated the card So the card was activated and used by someone while I was out of the country and had no access to the card Clearly, someone opened the card, obtained the account details and activated the card, all before the card was even received at my home ; I have now appealed this decision XX/XX/XXXX I have now appealed this decision XX/XX/XXXX both by fax and by mail to Barclays I have now placed a freeze with all XXXX Credit Agencies XX/XX/XXXX Barclays collections department called to confirm the account was delinquent ; I explained the above and told them this is a fraud case I also spoke to XXXX in the fraud team who confirmed further transactions were attempted on XXXX with Jet Blue but were not processed I asked XXXX to create a formal complaint and for XXXX to call me back with an update to the case XX/XX/XXXX Barclays called to say my appeal has again been rejected I have also today registered the complaint with the FTC ( Federal Trade Commission XXXX and have contacted an attorney
Product: Credit reporting or other personal consumer reports

There was a billing error on DISCOVER BANK XXXX Balance : {$10000.00} Date opened : XX/XX/year> which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error.
Product: Vehicle loan or lease

Global Lending Services have ruined my life and I'm will become homeless in a matter of days due to their billing practices with extra fees and reporting to the credit bureau. Even after taking out extensions and making payments they still report payments as late to the credit bureaus. One month payment was made XXXX credit reported current next day reported I owed XXXX in payment and fees. Paid this amount because we are having to buy or rent a house. After paying this few days later Global Lending Services reported I owed XXXX and the total bill would be XXXX. I paid XXXX because again I can not afford my credit score to go any lower. The payment was made on XX/XX/2021. Global reported I was current but report another late payment on the same day I made the payment. I went on to their website and then saw that my XX/XX/2021 payment showed nothing owed and we paid ahead. I have disputed but Global Lending comes back with verified but still won't disclose what misc.1 fee is to me. What I do know is that Global Lending Services has ruined my life. I don't understand how a company can go around doing this to people and I know I'm not the only one this has happened to but when is it happening to you all you can think about is what am I going to do? Where am I going to live?
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain debts that are currently being reported on my credit report and to request validation of these debts, as provided under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter is also in reference to the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reporting of certain debts. These inaccuracies are not only damaging to my credit score but also appear to be willful and persistent violations of the Fair Debt Collection Practices Act by both your agency and the furnishers of this information. 

The XXXX case highlights the importance of accurate and fair credit reporting. In my case, despite providing substantial evidence highlighting errors, the inaccurate and incomplete information continues to be furnished by both your agency and the furnishers. This persistent disregard for the accuracy of credit reporting is alarming and may be in direct violation of the FDCPA. 

I have previously contacted the furnishers and requested the following information to validate the debts and correct the inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file from the Original Creditor for third-party collections Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX has been filed License to collect in my state I am attaching copies of the evidence I provided to the furnishers, highlighting the errors and inconsistencies in the reporting. Despite my efforts, the inaccurate information persists on my credit report. 

Under 15 U.S. Code 1692g ( b ), I request that you conduct a thorough investigation into the validity of the debts in question and provide me with the following : Verification and documentation of the debts in question, including any relevant agreements or contracts. 
Proof that the furnishers have XXXX XXXX XXXX XXXX. 
A copy of the Bill of Assignment file from the Original Creditor for third-party collections. 
Documentation indicating whether the Furnisher filed an insurance claim or if a XXXX has been filed. 
Verification of the XXXX 's license to collect in my state. 
I expect your agency to comply with the FDCPA and conduct a prompt and fair investigation into this matter. Failure to do so may result in legal action, as provided under the FDCPA. I trust that your agency will take this matter seriously and rectify the inaccuracies on my credit report in a timely manner. 

Please provide a written response within XXXX  days of receiving this letter, as required by the FDCPA. If you determine that the information is accurate, please provide a detailed explanation of your findings. If you find that the information is indeed inaccurate, I request that you promptly update my credit report accordingly. 

Thank you for your immediate attention to this matter. CREDIT REPORTS BEEN PROVIDED.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.Dispute using Zelle numerous times and reporting disrecpencies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking the transactions was unfeasible The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother, and I have trying to purchase a home for my children. I have directly spoke with these creditors with certified letters in regards to these in accuracies on my reports. According to 15 USC 1681 ( a ) the following are directly in violation of my rights XX/XX/XXXX Both accounts ) XXXX XXXX - XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( m 281 SW 715,719, I presumit that no proof of the alleges debt, nor therefore any such debt, in fact therefo exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation from XXXX about an account that is reporting inaccurate information on my credit report. XXXX XXXX ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested XXXX management to validate the debt. They did not provide any of the required information
Product: Debt collection

I was wrongfully discriminated against. My car was vandalized on XX/XX/2019 in the middle of the night. The apartment company I was renting from gave me a notice to quit because of that action and I was forced to move out immediately and still be required to pay the remainder of the lease.
Product: Credit card or prepaid card

The following message was sent to executives at Capital One on XXXX XXXX. It was forwarded to their Customer Advocacy group who responded on XXXX XXXX by refusing to address the Complaint of deceptive marketing and the proper crediting of earned reward points. 

Here is the message that was sent : We are filing a formal complaint regarding Capital One Venture card ending in XXXX ( also XXXX secondary ). 

This card had a stated promotion offer to spend {$4000.00} within 3 months and earn 50,000 reward points, and spend {$20000.00} within 12 months and earn an addition 50,000 points. We have been improperly denied our rightfully earned points for the second 50,000 points. We have numerous other banking and credit card accounts with Capital One. 

Application for this card was made online in early XX/XX/XXXX, approved, and an email message sent saying the card was being mailed. We did not receive the card. But did eventually see an account opening on our Capital One home web summary accounts page. In fact we received our first statement showing account opened XX/XX/XXXX, first billing cycle through XX/XX/XXXX, {$0.00} balance ( we had not yet received the card! ). We contacted customer service and another card was mailed. It was delivered XX/XX/XXXX, activated on the XXXX, and an initial purchase was made XX/XX/XXXX. Our first opportunity to use this card was in XX/XX/XXXX. 

In XX/XX/XXXX, we reached the {$4000.00} milestone and 50,000 points were promptly posted to our rewards balance. In XXXX we reached over {$22000.00} spend but the award points were not posted. We have called reward points customer service, many times now, only to be told the points would not be granted because the {$20000.00} spend was reached on XX/XX/XXXX and that this was the deadline of XXXX XXXX 12 months from account creation. Even though we did not have access to the account or card until XX/XX/XXXX. 

This action to deny the earned points shows deception, and perhaps fraud in the marketing of this card. 

We have spent hours on the phone with XXXX on XXXX XXXX ( ID # XXXX, XXXX ), XXXX on XXXX XXXX ( ID # XXXX ), and XXXX on XXXX XXXX ( ID # XXXX, XXXX, FL ). She repeatedly told us this decision to deny the award was final, and there were no further avenues available to pursue this complaint. She repeatedly said the decision is final and will not be changed. Every customer service representative acknowledged that the bank 's records show the card was not delivered until XX/XX/XXXX. We asked to speak with her manager. She provided his name, XXXX ( ID # XXXX ), but would not connect us to him.