23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding U.S. Banks fraudulent and deceptive conduct related to a credit card promotional offer and their repeated failure to investigate or provide accurate information. 

I applied for the XXXX XXXX XXXX XXXX from U.S. Bank in XX/XX/XXXX, which included a promotional offer of XXXX miles upon spending {$5000.00} within 90 days of account opening. 

I was not able to activate or use my card until XX/XX/XXXX due to delayed delivery of the physical card. On or around XX/XX/XXXX, I contacted U.S. Bank customer service to confirm when the 90-day spending period would end. I explicitly informed the representative that my card was only activated on XX/XX/XXXX. The representative clearly confirmed that my 90-day period would end on XX/XX/XXXX, based on activation date, not account opening. 

Relying on that information, I ensured I spent over {$5000.00} by XX/XX/XXXX. However, by XXXX, I had not received the XXXX miles reward. When I called again, another representative informed me that the original representative gave incorrect information and that the 90 days is calculated from the account opening date ( XX/XX/XXXX ), not activation. Therefore, they said I was no longer eligible for the reward. 

I requested an investigation, explaining that U.S. Bank records phone calls and could verify the misinformation I was given. I was told I would receive a response within 24 hours, but no one followed up. I called again, and another representative said it would take 48 hours. As a temporary measure, I was given a {$50.00} credit as compensation for the inconvenience. I asked whether this resolved the issue or was just for the delay, and was told it was not a resolution but a goodwill gesture. 

When I followed up two weeks later, a manager told me there was no record of an investigation, and that the issue was considered resolved by the {$50.00} creditcompletely contradicting what I was told before. The manager refused to escalate the issue and effectively ended the conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

my name is XXXX XXXX I live in XXXX Pennsylvania .us bank, Pennsylvania unemploymentt, so called friends of mine and so on ... ... .I do know this alot of money was taken from me and a lot of people got a lot of money from what they would call a meal ticket ( me ) from XXXX of XXXX to ongoing XXXX still nothing has been done about it and I still am not giving up I have all the proof in the world but yet no one wants to help me I'm not giving up!!! my cell number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent transunion a letter disputing the validity of the bankruptcy and accounts including in the bankruptcy they are reporting on my credit report. They responded with a letter stating the verified and updated his item. I went directly to XXXX district of Illinois and XXXX to dispute the item in question and neither companies could not verify this item so they deleted it from the database. 

I went back to transunion and showed them the deleted bankruptcy from both companies informing them if they couldn't reveal how they truly verified this item it needs to be deleted according to the FCRA. They have once agin refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest rate every year. 

This items needs to be deleted from my credit report if it can't be verified within 30 days.
Product: Credit reporting, credit repair services, 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 # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Credit Coll Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX GM Financial has violated my rights.

15 U.S.C. 1681 section A states I have a right to privacy.

15 U.S.C. 1681 section 2 : it also states a consumer reporting agency can not furnish a 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 seven 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: Debt collection

I have a collection account on my credit report by a debt collection agency : XXXX XXXX, which is not licensed in the state of Florida to collect. Therefore I am disputing this collection account.
Product: Debt collection

In XX/XX/2022 the lawyer representing me sent a settlement offer letter to Cavalry Portfolio Services through their law firm. CPS  sent me a settlement offer previously and I was unable to pay the amount yet. A whole month goes by without a response from CPS. I also sent a settlement offer online via the website of their law firm and did not receive a response. After consulting with my lawyer who stated XXXX XXXX and XXXX XXXX XXXX is known to be slow to response, I decide to go ahead and call the law firm myself. I learn that they've started a court case for wage garnishment against me without any notice or attempt to resolve the matter peacefully and professionally. On XX/XX/2022 I personally went to the law firm and paid in full with cash for the collection account to be resolved. I received a receipt and a letter of closure immediately. However, Cavalry Portfolio Services viciously lied to all 3 credit bureaus and stated that I still owe {$80.00}. I have had to personally dispute this lie to all 3 credit bureaus, taking up my precious time and holding me back from financial progress. It's been 3 weeks and XXXX has yet to hear back from this corrupt business.
Product: Checking or savings account

Somebody name XXXX and XXXX somehow hacked into my XXXX XXXX to where when i got paid from my job through direct deposit, the money went straight to their card which was never linked to my account. XXXX XXXX then stopped the transaction for security purposes because they hacked into my account somehow and tried to change my information to theirs. Now XXXX XXXX has closed my account and said the only way i can get money off is to link a debit card. But when i do they reject the debit card and i still cant get my money off my XXXX XXXX account which i really need. And they have continued to try and hack my account! I know theres something that can done in order to get my money that Ive worked for!
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep asking the credit bureaus to remove my the years of XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address update which is XXXX XXXX XXXX  XXXX MD XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase that I had a transaction with. I opened a dispute since the merchant would not resolve things. After a few days, the merchant changed their mind and refunded me. I went to my bank and withdrew my dispute. Paypal then thinks I was refunded twice and STEALS {$110.00} USD from my account. I called Paypal and they claim my bank got the refund twice. I called my bank and they said this is false. I only got 1 refund and now paypal STOLE the refund money from my account. My credit card statement shows I only got 1 refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX in XX/XX/2020, disputing the validity of reporting this debt. There isn't any record of any contract or agreement with them and they have failed to provide any proof of validity. I also contacted Equifax, XXXX, and XXXX. There has been a failure of any response. 

They are also been in violation of the recent FTC ruling, by " debt parking ''. I wasn't contacted or made aware of this alleged debt any time prior to it being reported. In the recent case of FTC vs XXXX XXXX XXXX, the court ruled that " debt parking '' is illegal and is a strategy known as passive debt collection. 

debt parking can result in a consumer only finding out that a purported debt exists when his or her credit report is accessed in connection with buying a car or home, opening a credit card, or seeking employment. While the debts may not be valid, consumers can feel pressured to pay them off.

I have sent letters to all credit bureaus and this company and I am being ignored. I do not have the same power as them, but they are affecting my livelihood with something I do not owe. This has been fraudulent, and now they have created a history of using that to blemish my credit.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Mortgage

have been trying repeatedly to get my mortgage modified by Carrington Mortgage Services which is a devision of XXXX XXXX and have been told that it wasn't received to send it by email. When I tried that approach their site would not allow it to be done so I called and told them and was told to send it in asap. So I filled out another set of forms and sent them and all documentation by 2nd day mail requiring a signature and they waited until the XXXX to sign for it then till the XXXX to look over it just to tell me that now it was too late to do that. When I pointed out that I sent it requiring a signature etc I was told to send the proof in which I did by fax. The very next day they once again denied it for being too late even tho I was informed by a supervisor that they could still do it. I was then told to send it in one more time and again the very next day it was turned down for the same reason. My intentions have always been to keep my house however I had lost my job and am now finally starting a new job. Due to all of this happening my house is now under water as far as what it is worth compared to what they now say I owe yet I'm sure that they will find someone to say it is worth more than what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that the credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the XXXX, Experian, and XXXX has not replied to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts : XXXX  XXXX Balance Owed : {$3900.00} ; XXXX  XXXX Balance Owed : {$4600.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX Balance Owed : {$0.00}, as I believe these are reporting in error. I request an investigation and verification of these accounts to appear accurate information on my XXXX XXXX.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, and has been reported with multiple account numbers for same creditor on all 3 credit bureas. 

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 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 seven 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: Vehicle loan or lease

I contacted the company on or about XX/XX/XXXX regarding a payment I submitted that returned from the bank. I attempted to set a payment arrangement on my account to maintain the positive history that we've had for the past 3-years. 

I was refused the opportunity to set an arrangement because I'm not far enough delinquent. 

I spoke with the company today, XX/XX/XXXX, regarding the same matter and received the same response. 

I have been receiving several phone calls per day regarding the past due balance and they refuse to notate my account, stop the phone calls, and honor any sort of commitment that I'm trying to make to pay the past due balance at a future date. 

This is harassment and poor service. I have been an exemplary customer for years and I'm just trying to communicate with the lender regarding the past due balance ; much more than most people try to do.
Product: Debt collection

I contacted Grow Credit as a result of an entry on my credit report that I have no knowledge of. I have disputed the account in the past and they continue to hold me accountable for it. I finally made contact with someone via chat on XX/XX/2022 who acknowledged that it appears I was the victim of identity theft. She then told me that I needed to file an identity theft claim and they would remove the account from my credit file. I did that instantly and provided the number. Then she said I needed to complete an affidavit and they would have to research further. This company is giving me the run around over {$6.00}! The account shows that the available credit was {$180.00} but the due amount is {$6.00} that has been reporting for over a year negatively on my credit. This is insane. They are making me jump through hoops and each time I do what they ask, they make a new set of rules to prolong the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX OH XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.
Product: Credit reporting or other personal consumer reports

Nelnet is reporting that I have {$360000.00} to XXXX. I called Nelnet and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

My identity has been highly misused!! I have have reached out to credit bureaus asking them to make sure my identity is verified before furnishing any accounts on my credit report due to the excessive attempts someone has made to purchase goods and services under my social security number. The names given for these fraudulent accounts are not my name nor do I identify with any of these addresses. My rights have been extremely violated according to FCRA 15 U.S.C. 1681 for the fact the bureaus are not allowing me to dispute or clear my name of the alleged negative debt. Also according to 15 U.S.C. 1681b ( f ) my right have been violated due to the fact I have never provided my wet ink signature to furnish any of these accounts on my credit report, especially unverified! My financial profile has been damaged due to the lack of the companies doing their due diligence. I am expecting an immediate response to remove any debt from my credit report that is not verifiable or inaccurate.
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

So I checked my transunion credit score it dropped 58 points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call XXXX XXXX XXXX  to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can transunion drop my score XXXX XXXX states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately XXXX denies any wrong doing so it's transunion fault and needs to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Avant for copies of my contract with my signature. They are reporting two  accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you