23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX -Tried to login to my comenity credit card with no luck. Been using saved password and phone # to login with no problems for years. Talked to dozens of Service reps and supervisors with no luck. Was consoled by supervisor XXXX and told not to worry about late fees or reporting delinquent to credit bureaus until fixed. Today I received my latest statement saying they are charging me late fees and reporting me to credit bureaus. I am not late. Was not late! XXXX from account payable threatened me on XX/XX/XXXX to pay {$110.00} or be charged late fees and reported to credit bureau. After arguing with her I paid {$100.00} on XX/XX/XXXX and owe {$14.00} on my due date XX/XX/XXXX. Those payments were made and are not in their system .I have screenshots of my XXXX XXXX  statement verifying my payments to Comenity. What phone # or XXXX account should I send them? Please help!!! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell TRANSUNION AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX
Product: Prepaid card

On XX/XX/year>, my card number was fraudulently used at a XXXX ATM machine on XXXX XXXX XXXX XXXX XXXX XXXX for XXXX separate transactions in the amount of {$400.00}, {$400.00}, and {$200.00}. I did not participate in or authorize these actions and had my card physically in my presence. I filed a police report on XX/XX/year> indicating that my card was used fraudulently. The company XXXX XXXX XXXX is refusing to replace the funds as these transactions were not authorized, and I filed a police report with the XXXX Police Department. The company denied my dispute, indicating that they could not replace the unauthorized funds and that I would need to provide them footage from the ATM machine, which, as a consumer, I do not have access to. I have spoken to numerous customer service representatives who will not assist in replacing the funds, although I have filed a police report for the fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Yamaha Motor Finance, understanding me clearly, my credit is important to me, my credit is in fact my reputation and you are ruining my reputation and financial reputation as you are reporting Charge off on my consumer report. I demand you to remove Charge off. I will take all actions necessary to protect my reputation. You understand me? Yamaha Motor Finance understand you are NOT in compliance with The GrammLeachBliley Act. Which is {$100000.00} ( Per violation ). 

I am putting Yamaha Motor Finance on notice of Cease And Desist pursuant to 15 U.S. Code 1692c ( c ). 

Follow my demands. For ANY noncompliance all actions necessary will be taken. Best regards.
Product: Debt collection

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Complaint for Non-Compliance and Negligence Under FCRA Section 1681o To Whom It May Concern : I am writing to formally dispute the negative account reporting associated with my name and/or account number XXXX " XXXX XXXX XXXX XXXX XXXX Which is an utility account for an address that I NEVER LIVED AT and you have removed the address but not the account, This account has been inaccurately reported on my credit file for a few months now! 
ALSO account number XXXX " XXXX XXXXXXXX XXXX  '' reporting a INACCURATE late payment in XX/XX/XXXX which I have disputed for over a year now!! despite multiple written requests from me, sent every 30 days, for validation and verification of this information. As of today, XX/XX/XXXX, I have not received any documentation or proof that substantiates this negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, you are liable for civil damages for negligence when failing to comply with the requirements of the FCRA. I have repeatedly requested, in good faith, that you provide proof of the negative account information. Your failure to respond appropriately within the legally mandated time frame demonstrates non-compliance with federal law and constitutes negligence. 

As of the date of this letter, the following has occurred : I have requested proof of the negative account reporting a total of 14 times, with no sufficient documentation provided in response to date. 
You have continued to report inaccurate and unverifiable negative information to credit reporting agencies, which has caused harm to my credit score and financial standing.

Your failure to investigate and correct these inaccuracies within the legally allowed 30-day time frame, after multiple requests, is a violation of the FCRA.

I request immediate removal of this inaccurate and unverified account from my credit file. Additionally, I am reserving my right to pursue legal action to recover damages caused by your negligence and non-compliance with the FCRA, including but not limited to financial losses resulting from your actions.

Please consider this letter formal notice under 15 U.S.C. 1681o. I request a response to this dispute within the legally mandated time frame, along with verification of any actions taken to remove or correct this information.

Thank you for your prompt attention to this serious matter. I expect resolution of this issue within 30 days, and I request that all further communication be in writing to the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX bankruptcy and Acura Financial has not started reporting my car note on my credit report even though I reaffirmed this debt. I called them and they said they do not have an obligation to report once I sign reaffirmation. I would like Acura Financial to start reporting my car lease to my credit report.
Product: Debt collection

On XX/XX/2022 I sent a debt validation letter to Convergent Outsourcing through certified mail. The package was signed for on XX/XX/2022. It is Now XX/XX/2022 and I have not received any validation or verification nor a response at all. The account is still reflecting negatively on my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account 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 : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I opened a new savings account via apple with Goldman Sachs. I had over 3 years the apple card credit card from Goldman Sachs without any issues. 
I made deposits with my money and it was successfully added to my account balance. 
So I also scheduled my credit card payments to this account. There is enough money in my account to cover the payments. Unfortunately it got declined and my account became restricted. 
I contacted the customer support several times and spend hours in the support line of Goldman Sachs. Unfortunately none of Agents was able to solve my issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX & XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I am a Wells Fargo checking account and I read that they are settling with account holders based on their actions regarding fees. I am filing to take part in this settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at EQUIFAX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I been with Lexington law for year and 3 months I had to pay XXXX then I had to pay $ XXXX  month then I had to pay XXXX dollars then drop to XXXX month in that time they clean some of my credit score XXXX XXXX XXXX XXXX Experience Is customerservice there rude and when you trying to come to some kind of conclusion I tell you that they're not returning No money back no refund Can you tell you that they did everything that they could to clean up my credit I'm only telling you or just false lies They are scammers Before banana what is my credit score they can't even come to clues and what is my credit score but keep on telling me that is my credit score is gon na go up once I removed bad Inquiries And other things telling me nothing but lies lies liesI have to pay other company to fix my credit And this is so terrible my credit score is 4 Before I was with them l was almost XXXX or XXXX Before I need something to be done about this company Gon na be shut down cause they're ripping off people Real badly I see reviews about other people Much they have ripped them off I hope this help so no one go though what I went through it a scam
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulent account It was removed from my credit an added back an it's affecting my credit score my score dropped XXXX points because they added a fraudulent account back to my credit after deleting it an by law this can't happen
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX and XX/XX/XXXX my credit card number was used by someone other than me at Experian XXXX. In earlyXX/XX/XXXXmy credit card was also used by someone else than me at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/year>
Product: Checking or savings account

The company Chime Bank closed my account last year in XXXX at the beginning and said they would mail my balance by check which was a balance of {$200.00} but it's almost a year later and nothing, every time I call they say the will expire it to financial team or manager but nothing happens from that, when I ask to speak to manager they either hangup or redirect me to someone else that works there not a manager, never get to speak to one. Recently contacted y'all and chime sent a email saying to update mailing address to send check and I have sent multiple emails but they send a email back saying to respond to email or select one of the options in email but there is none, I called to update it and a lady updated on the phone she was saying but then said after XXXX says I'm gon na redirect you to financial to update mailing address but hangup on me they keep doing this not resolving the issue please help me it's been a year or more stealing my money and not giving me answers or solving it, left phone number with chime peoples I talked to so they would contact me and never do its been XXXX weeks trying to update mailing address with no success, i emailed and called chime, please help, thankyou for your time. XXXX bless
Product: Checking or savings account

I opened up a new checking and savings account with Chase after receiving a promotion offer for a total of {$900.00}. According to the terms of the promotion, I had to transfer {$15000.00} into a new savings account and arrange a direct deposit into a new checking account within 90 days of opening the account. 

I arranged various direct deposits but did not receive the bonus. I called Chase on XX/XX/2024 and spoke to XXXX who identified himself as a supervisor in the escalation team. 

He advised me that the only direct deposit that would qualify for the promotion was a salary payment or a payment from the Government. He confirmed that a direct deposit that was set up for a tax refund from the IRS would qualify for the promotion. 

I was told that the conversation was recorded and he provided me with the following reference number : XXXX XXXX XXXX. 

I followed XXXXXXXX XXXX advise and set up the direct deposit on my tax return. A direct payment from the IRS was paid on XX/XX/2024. 

I subsequently contacted chase through secure mail and was advised that I had not met the requirements and that a payment from the IRS would not qualify. 

On XX/XX/2024 I called Chase and asked to speak to a supervisor who identified himself as XXXX. The reference number is XXXX XXXX. He told me that the IRS does not qualify. 

The terms and conditions copied below also state that a direct deposit from the Government would qualify. The XXXX XXXX XXXXXXXX exclude person to person payments but do NOT exclude tax refunds or payments from the IRS. 

I believe this amounts to false advertising. I deposited {$15000.00} in an account that pays virtually no interest. Over the last three months I have received a total of XXXX cents in interest ( see copies of screenshots ). 

Terms and Conditions- To receive your bonus you must-- Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. Person to Person payments such as XXXX are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account After you have completed all the above requirements, we will deposit the bonus in your new account within 15 days. Important Bonus Account Information- You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT or Form 1042-S, if applicable.
Product: Credit card or prepaid card

XXXX XXXX XXXX knowingly Booked & Charged {$90.00} for Hotels in XXXX During COVID 19 Shutdown in XX/XX/2020 when Borders are Closed & Bank of America Reversed & Recharged on XX/XX/2020 to my Credit Card -- -- XXXX. Its a Faudulant Charge when Borders are Closed & Travels is Prohibited for US CITIZENs to XXXX..
Product: Debt collection

On XX/XX/XXXX i spoke with a manager at commonwealth informed him this was a fraud account and im disputing it and wanted account removed from my credit bureau. I also requested all documents from hospital to support this debit. I filed a complaint with the cpfb also on approx XX/XX/XXXX a XXXX XXXX responding to that complaint and lied in her response she stated all proof of debit and supporting documents where sent to me on approx XX/XX/XXXX all i have ever received was an initial collection notice no proof of debit or documents that I requested instead this company placed this account back on my credit bureau without addressing my dispute or providing proof of debit. Both these actions by this company and XXXX XXXX are illegal and violations of the FDCPA. I also received three collection calls on XX/XX/XXXX even after leaving sevral messages over the last few weeks for XXXX XXXX which i never received a call back. Im asking the CPFB to fine and sanction commonwealth for unfair collection practices and violations of the fdcpa. Im also going to file a complaint with the Arizona attorney general 's and hire an attorney to sue common wealth, XXXX XXXX, the manager whom never sent me my proof of debit and the collection rep feom XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inquires on my transunion credit report.. I would like them remove because they were not authorized by me. They made over 50 fraudulent inquires
Product: Mortgage

Only Offered me 15-year fixed loan XXXX  Call from XXXX XXXX concerning my XXXX credit score Placed a fraudulent credit report in file Required me to have total of XXXX savings After I produced bank statements required additional XXXX Accused me of my mortgage being in Forbearance Demanded two letters from my mortgage company showing not in Forbearance Denied my mortgage application Stated my monthly income didnt match {$8000.00} False information stating my rental income only offsets the cost of keeping the home Refused to accept rental income of {$3000.00} / Mortgage for property XXXX Refused to accept seventy-five percent of rental income per Government Mandates Refused to accept Monthly Rental Contract from HUD ( US Government ) ( {$3000.00} ) Refused to accept sign lease and contract from tenant XXXX XXXX Never ask for proof of rental payments since start of lease Denial mortgage because debt to income ratio not 50 % or less before loan approval My monthly income is {$1600.00} short In closing if you evaluate all the falsely adverse conditions that was required of me to get approved for this mortgage application with Better Mortgage you will find undisputable evidence that I was discriminated against due to me being a XXXXXXXX  year old XXXX American man. Mr. XXXX XXXX clearly falsely spoken when he stated As I previously mentioned, to move forward your monthly debt-to-income ratio ( all monthly debts up against monthly income ) needs to be 50 % or less. As your loan is currently structured, we need to verify {$8000.00} XXXX in income ; we have accounted for {$6000.00} in pension and {$380.00} in social security for a total of {$6400.00}, which leaves us short of {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a pre approval from XXXX XXXXXXXX for a car loan, presented it to a dealership. They went ahead and ran my credit without my knowledge or consent.