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

In late XXXX, I became unemployed as a direct result of COVID-19 travel restrictions, and several of my credit accounts entered deferral status. I am now employed again and applied for an Apple Card, which is issued by Goldman Sachs Bank. My application was denied, because the issuers of my credit accounts, in violation of their own terms for COVID-19 deferrals, reported my accounts as past due and over limit, and Goldman Sachs knowingly relied on a credit score improperly skewed by negative information resulting from COVID-19.
Product: Debt collection

I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX, I do not have a contract with National Credit Systems, they did not provide me with the original contract as i requested this is the letter that was sent to them back in XXXX and they still will not correct this issue. 


XX/XX/2023 NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is required. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Furthermore, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the of your receipt all references to this account must be deleted and completely removed from mt credit file, and a copy of such deletion request shall be sent to me immediately. 



XXXX XXXX
Product: Checking or savings account

Complaint Summary : I am filing this complaint against Wells Fargo for failing to honor the terms of a promotional offer for a {$300.00} bonus upon opening a new checking account and meeting the required conditions. 

Details of the Promotion : Wells Fargo advertised a promotion in XX/XX/XXXX offering a {$300.00} bonus for opening a new checking account and depositing at least {$1000.00} via direct deposit within 90 days of account opening. 

Timeline of Events : 1. I opened a new Wells Fargo checking account in XX/XX/XXXX, specifically to take advantage of this promotion. 
2. On XX/XX/XXXX, I deposited {$1000.00} into the account, exceeding the required {$1000.00} threshold within the specified timeframe. 
XXXX. Despite meeting all the terms of the promotion, on XX/XX/XXXX, Wells Fargo closed my account without issuing the promised {$300.00} bonus. 

Efforts to Resolve the Issue : I contacted Wells Fargos customer service to understand why the account was closed and why the promotional bonus was not issued. However, I did not receive a satisfactory explanation or resolution to the issue. 

Desired Resolution : I respectfully request that Wells Fargo honors its promotional offer by depositing the {$300.00} bonus I am entitled to, as I fulfilled all required terms. If the bonus can not be provided, I request a clear and detailed explanation of why the terms of the promotion were not honored.
Product: Debt collection

CCS has sent a recent notice by mail which I am certifying I have no knowledge of an alleged debt by XXXX nor XXXX XXXX, please send back to the original creditor.
Product: Mortgage

over a year now my account has been in the hole. pay the shortage or pay the payment costs. each time i pay the amount they say they come back days weeks months still saying Im short. Miss handling my escrow account. ask for the numbers for the proof of analysis nothing. case mangers in higher up do nothing. Dealing with a mortgage shouldn't be this sloppy and having the customer being in the negative all year around and being told you need to pay over and over when you have pay the amount. along with 4 analysis. dates evey singal day of the year have so many.
Product: Checking or savings account

I deposited a check in into my checking account at Citibank that I got from a lawsuit I filed. Citibank claimed it was a fraudulent check even though they received the funds from XXXX XXXX XXXXXXXX and then closed my account and never sent the money back to the issuing bank so I am unable to access the funds from the check I deposited.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I was checking out on the XXXX website and clicked on the button to pay with Paypal. Within the Paypal payment options, it stated I could get {$50.00} off my purchase when I opened a Paypal Mastercard. It showed my total as {$50.00} off what I had planned to purchase indicating that would be my total today when I signed up for the card. I signed up for the card and my total on the billing statement did not include the {$50.00} off. I contacted XXXX and I contacted Paypal and both directed me back to the other. This happened multiple times until I finally gave up. Both parties said they don't have that offer and it's through the other party.
Product: Debt collection

consumer : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX : XXXX [ ARIZONA BANKRUPTSY COURT- XXXX XXXX ] Debt Collectors : 1. Navient-XXXX XXXX  XXXX, XXXX XXXX, Pa XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, Pa XXXX 3. Pioneer Credit Recovery Inc, XXXX XXXX XXXX, XXXX, NY XXXX These 3 companies continue to contact me to pay a dept that was discharged in Bankrupsy Court filed on XXXX. XXXX XXXX the court trustee specifically told me to stop paying on the student loan debt which was listed as a XXXX XXXX debt. Both Navient and XXXX added their names to the Bankrupsy filing, and at the time did not identify themselves as collectors for XXXX XXXX, infact, I am not sure who they represent as I never made any student loan payments to either company directly. 

I wrote a letter months ago asking them to verify this debt and show that XXXX XXXX had authorized them to pursue this debt. They sent me back a doctored up agreement without reflecting any dates and showing that my last payment on this debt was XXXX of XXXX. Then they jammed my credit report with the fictious amount of approx. 6k. 

1. It is against the law to report - reflect an old past due debt as new - if infact the debt was sold, but how could wells fargo sell a debt charged off in bankruptsy? 
2. Since this company has removed all dates from the one piece of paper they did send me, it is my contention that it has well been six years since this debt existed. 
3. It is against the law for a debt collector to try and get money from a debt discharged in Bankruptsy under federal law section 524 title II. 
4. This amount of XXXX is inflated from the original balance due to XXXX XXXX over six years ago 5. As a senior XXXX years old, I am on a fixed income of social security and a pension and would not have the ability to make any amount of payment, which was the whole reason to go through the humiliating act of filing bankruptsy At present I feel if you cant help me get these persistent fraudulent creditors off my agenda, I still have hope of contacting the AZ Bankruptsy Court XXXX XXXX and asking for his advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Product: Credit card or prepaid card

After deciding to check my account balance I noticed some unauthorized purchases and immediately brought them to the company 's attention to file a dispute after waiting for the dispute results to be determined first thing I get was an email stating my dispute had been denied followed by another email telling me that my account had been suspended due to member violations 22d. I attempted to contact the company find out the reasoning behind this thing is how none of my actions could be the cause and resulting in this sort of dramatic action taken. I do not have access to the website I do not have access to the app upon calling customer service reps all I am told is I need to write a letter to a PO box and that is all the information I am given. Completely unsatisfied with that answer I returned a phone call back to customer service and requested to speak to a floor supervisor they representative told me they would inform me exactly the same information that I had already been informed and I immediately told them that did not matter I wish to speak to the supervisor on duty. Eventually the supervisor did accept my phone call and as told they would do told me the only information I was able to get from them was a PO box . Understandably I write as I was I told them this was completely unacceptable and my funds and access to them needed to be returned immediately and that writing a letter to a PO box was not any way for a financial company to handle a dispute from a customer of theirs for 5 years. The supervisor did tell me that they would flag my account and ask for it to be reviewed for the funds to be released and that I could call back in two business days to find out if it had been accepted or not when I did so define two days later nothing had changed and it began the entire run around process again. Now I did write a letter to said PO box and have mailed it off my issue is why do I not have access to any of my funds. I am unable to take bills I am unable to get food from my home I am unable to do anything at all. There is no human Representatives that you are able to talk to no live person only the option to write a letter to a PO box in hopes that your funds may or may not be returned to where they belong. 
this is not the first time this has been an issue with this company after researching online I have included other publications from other customers about the exact same answer the same company in the same 22d reference this has got to stop or American Express should remove their name from this company and it's affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX continue to delay their investigations into my credit file. I have sent letters via certified mail ( through online certified mail ) with copies of my passport, driver 's license, social security card @ Veteran ID to confirm my identity and they continue to send me canned letters stating they do not believe I am the one requesting the investigation. This delays the investigation and takes the investigation beyond 60 days.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card or prepaid card

I have an XXXX Mastercard with Comenity Bank. I have had multiple charges on my statements that I did not make. When I went to pay my online bill I wondered why my balance was so high and I checked the statement and most recent charges. There were multiple charges made on the account in the XXXX CT area from multiple gas stations. I am unable to list the amounts because I filed a report with comenity bank and they shut down my account and I have paperless billing. The first charge was in XX/XX/2019 and there were three more charges in XX/XX/2019 When I made the complaint they said they had to investigate and said they would not take the charges off of my account. This has happened twice with Comenity bank and in the past they removed the charge. But this time they said they had to investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I contacted the CEO of USAA Bank, XXXX XXXX, via email in regards to an account reporting on XXXX XXXX. Two days later I received a phone call from someone in his office in regards to the email in which we discussed what I could do to clear the issue as well as have the information updated on my reports with XXXX XXXX. I was notified that upon receipt and deposit of the overdrafts an immediate notification and update of remarks would be done with XXXX XXXX XXXX. On XXXX another email was sent after I contacted USAA checking account department to see if my payments were received to find out not only were they received but they were also deposited and cleared on XXXX and no notification was sent or was on record to be sent to me for my records so it was just good that I called. So upon the rep sending me receipts I took it upon myself to submit them to XXXX XXXX XXXX who in turn said they would follow up with USAA because nothing was still updated. I am well aware that the record remains for 5 years but USAA stated the remarks could be updated but have yet to do so, I am stating this so that it is known that I am aware of this part. Another email was sent on XXXX, as well as today XXXX still with no response. The reps for USAA are unable to assist any further besides to tell me it will be updated. XXXX XXXX can only tell me they have to wait on USAA. I 've spoken to others that are or have gone through this as well and they are experiencing the same issues of no response. <P/><P/>When I spoke to XXXX XXXX XXXX multiple times on the XXXX the first rep I spoke to stated that the receipts would be uploaded and updated and that in regards to my frozen accounts with my current bank that I give them a call to see if they would accept a fax showing the records were taken care of or if they required removal. I hung up with her and called my bank and they stated a fax would be fine. So I called XXXX XXXX back and of course getting a new rep that said it did not work that way they would update but had to reinvestigate with USAA to make sure the payments were indeed correct and how to update. I called USAA and they told me the updates would go through immediately. So as you can see everyone was giving me the run around and different responses, and I have no access to my money because of the situation. I just want answers and an update to the remarks as I was told would happen.
Product: Checking or savings account

I had set up direct deposit with XXXX for my XXXX check. However they didn't do it and my account ended up being negative and I never received any of my checks. I was unable to do anything because I was XXXX They closed my account that I had for XXXX years. I was then put on early warning and haven't been able to get an account anywhere for the past XXXX years. This all happened in 2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX [ XXXX ] EQUIFAX SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Due to Equifax Data Breach To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the Equifax data breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

1. XXXX XXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under XXXX XXXX XXXX. 

3. XXXX XXXX XXXX XXXX - **Balance : ** {$6200.00} - **Issue : ** Late payments reported for XXXX through XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

4. XXXX XXXX XXXXXXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b.

5. XXXX XXXX XXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

6. XXXX XXXX XXXXXXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

About the late payment of BMW financial service. late payment of 30 days amount {$830.00} XXXX account number : XXXX Due to death in the family I was not present in the country and doesn't have any device with me or internet and not autopay. It was first and last payment showing on my credit report. I never ever missed any payment in my history. I paid the late fees and second payment once I got call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have, to no avail, been disputing erroneous tradelines that have been reported to my Transunion Credit Report. Once the credit reporting agency responded stating that the erroneous tradelines where verified by the furnishers as belonging to me and accurate, I requested from the credit reporting agency a description of the method that they used to verify the erroneous information. The credit reporting agency has failed to provide that information to me within the allotted time frame but is still reporting the erroneous information on my credit report.