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

I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. 

Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. 

I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. 

I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up response.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft.
Product: Debt collection

Multiple times I wrote to bureaus asking to please verify debt as I do not recall having account open. I have not received any documents verifying debt as my responsibility to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide recovery systems are reporting on my credit report and I'm not familiar with this company or owe them any money or have a contract with them.
Product: Credit reporting or other personal consumer reports

Does anyone at this company have a working XXXX or XXXX? 
Is this Company really this incompetent or are they purposely screwing with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I just made a complaint about this very issue last week and here I am again today and this is what, the XXXX or XXXX complaint in one flipping year!!! ... URGH I told these clueless XXXX  your screwing up my Address, making my Credit Report look like I'm Moving many times while ignorantly constantly changing/adding/deleting the XXXX  ( XXXX ) from my Street Address. 

Every month or so I get an email from this train wreck Company notifying me that I have a new address, XXXX XXXX  Borderline harassment if not total harassment!!!!! 

Just my complaints here alone should be speaking volumes to any lawyers reading these while looking for a Class Action Lawsuit. 

Somebody for the love of XXXX hold this recklessness accountable already!! 

Get my address right already!! 
It's not that hard, It's not that complicated, I've only moved once in the last 6 months.
Product: Debt collection

AFNI, INC. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit card

First and foremost, this is a predatory company that preys on healthcare patients. I've been on the 12 month no interest promotion with CareCredit through XXXX for financing. After 12 months, they charged me a hefty fee which I had paid off on XX/XX/XXXX prior to the DUE DATE on XX/XX/XXXX of XXXX. Interest charges was still applied and I contacted CareCredit. The representative I spoke to had agreed to waive the fee ( see attachment of conversation ) and close my account as I did not want anything to do with this company. To my surprise, I received an e-mail notification indicating I have an unpaid interest charge a month later. The customer service rep I spoke to simply said they did not have the ability to waiver but can see past conversations and admitted the mistake, and yet still wants me to make a payment. This is unacceptable and again, this company is predatory in its fine print and everything else, even going back on agreements of interest charge refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, XXXX  and Transunion. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX  and Transunion continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, XXXX  and Transunion continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.
Product: Credit reporting or other personal consumer reports

In reviewing my Experian and Transunion reports I noticed that a collection from XXXX XXXX XXXX XXXX is reporting inaccurately. It has also surpassed the statute of limitations for the debt. It does not accurately list the date of first delinquency, which would have been in XXXX. It shows the account as being opened in XXXX. This is inaccurate as well. I would like a copy of the original agreement, ALL monthly statements from date account was opened, and all documents showing payments made from a valid bank account that is held in my name, and documentation showing they are legally allowed to collect this debt, along with a 1099 from the original account holder, showing they earned income by writing off this debt and selling it to the debt collector.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Equifax and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, Equifax, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message alert to my phone asking did I authorize a XXXX transaction in the amount of {$3500.00} I replied NO. I then received a call from a Bank of America phone number, same customer service number on the back of my card. He went into great detail about a person having access to my personal information and the fraud department is starting an investigation. Immediately i was placed in a state of panic so I logged into my account to follow the protocol in which he stated to return the funds. I followed the steps Im which he claimed to be adding the funds back into my business account through XXXX making me add myself under my business name as a recipient and sending {$3500.00} when I went back to my account balance and noticed the funds were missing instead of deposited. I hung up before he instructed me to wipe out the rest of the funds! I contacted Bank of America and they started a dispute which I was told could take up to 45 days! I then contacted XXXX while the transaction was still processing. XXXX stayed they could not do anything and referred me back to my bank. I also contacted XXXX XXXX  where the money was sent. I explained everything to them and they stated the only thing they can do is wait to hear from Bank of Americas fraud department. I spent a total of three hours going back and forth being transferred around giving the scammer ample time to shut down this account and disappear. Finally I contacted Bank of America in tears because part of the funds they took was a loan I had just received from a small business funding company for covid relief and I was preparing to get things back going that weekend. I explained this since of urgency to Bank of America but ultimately they went on some length about the scammers privacy rights and blamed myself, the victim for initiating the transaction. We as consumers feel safe and secure with our banking facilities thats the reason we choose them as our financial institutions in the first place. I felt attacked when I had already essentially been robbed. My business, my credit, and my livelihood is on the line and all I received was fake apologies and left helpless to wait and hope the scammer returns the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX on several occasions to resolve the account that does not belong to me. I have offered to send updated copies of my social and ID to confirm. XXXX  XXXX has reported the account ending in XXXX to the wrong credit report. 

XXXX  XXXX  has a social security number reporting under a social that doesnt belong to me. Please review the attachments for further review. 

I would like to be contacted at XXXX
Product: Credit reporting or other personal consumer reports

This account is not mine. I have submitted an FTC Identity Theft report, a CFPB complaint and contacted my State Attorney general. Please remove this account ASAP from my report. Thank you.
Product: Debt collection

Sent Affidavit that was notarized on XXXX asking to prove the debt with valid signatures from both parties, they did not provide adequate validation. Went to Justice of the Peace XXXX XXXX XXXX XXXX Texas and proided XXXX XXXX XXXX XXXX with the debt validation letter, XXXX XXXX XXXX 'S birth certificate and Assumed Name. There was a default judgement against XXXX XXXX XXXX ON XXXX {$5700.00} and all COURT fees with 8.5 % compounding interest. Upon further review found that JAVITCH BLOCK LLC does not have a Surety Bond to operate as a debt collector in the state of TEXAS. Today a letter will be sent to XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, TX. XXXX AND JAVITCH BLOCK LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX. Informing them that they are in violation of Tex. Fin. code 392.101, 392.304 ( 9 ), and 15 USC. 1692e ( 1 )
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Product: Debt collection

I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. 











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Product: Credit card or prepaid card

A charge from American Experess Travel for {$350.00} was canceled yesterday on XX/XX/XXXX. The representative stated within 24 hours of canceling the charge, it will roll-off the statement. That call should be monitored and recorded. 

Today, it posted onto my account. After being transferred three times, they stated their " system was under maintenance '' at XXXX PST. They were unable to find my canceled booking even though I have the confirmation email. 

The representatives did not help at all and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, A charge-Off placed by XXXX/XXXX  was Disputed and removed from my XXXX XXXX credit report. Unfortunately, Experian and XXXX  are still showing this charge-off on their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a company called 'Uplift Inc ' placed a hard inquiry on my report. 
I am in the underwriting stage of purchasing a home, therefore, I can not have any inquiries on my report. The points drop has put my mortgage process at risk of being denied do to whomever this company is that made the inquiry. I contacted them and they told me they do not have to remove the inquiry. They were very rude to me and not willing to help me so I called XXXX and XXXX  told me to contact you. 
This Inquiry by 'Uplift Inc ' is fraudulent activity on my report and I request help in the process to get it removed. 
XXXX XXXX XXXX
Product: Debt collection

SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status.

InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account.

SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Experian : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above. 
Written confirmation of the correction from Experian. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls from many many different phone numbers, I spoke to them to begin with told them that that was not my debt and told them repeatedly to stop calling. They are leaving harassing voice messages and threatening me.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. There are several accounts in my credit report that I do not recognize to be mine. After doing a research, I learned that my personal information was compromised in the dark web through different data breaches in repeated occasions. My information is being sold without my permission, I've tried to complain regarding this issue with the credit reporting agencies, I tried reaching out to the companies and file a Identity Theft Report but the issue remains unresolved. I need additional help having this situation sorted out. The following accounts reporting on my credit report do not belong to me : XXXX XXXX with the amount of {$27000.00}, XXXX XXXX with the amount of {$76000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Morning, XX/XX/2022, I Spoke With A, " XXXX, '' And I Requested DELETION Of ANY CARD PREVIOUSLY Used To Pay Monthly Membership Of XXXX DOLLARS. 
I Also Requested Today 's Prorated Amount As I Am CANCELLING ENROLLMENT TODAY. 
" XXXX Quoted XXXX And I Questioned Why So Much For Just ONE WEEK???? 
I REFUSED TO GIVE MY CHECKING ACCOUNT NUMBER, OFFERING TO PROVIDE SOME OTHER MEANS FOR THIS LAST MONTH 'S PAYMENT. 
PLEASE PROVIDE AN ALTERNATIVE METHOD FOR PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was told by the Experian, XXXX, XXXX, and XXXX that they have verified a public record on my credit report. Experian, XXXX, and XXXX all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as PACER. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.