23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the continued inaccuracies in my credit report, despite multiple attempts to resolve these issues. As per the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block information resulting from identity theft within four business days upon receiving appropriate documentation.

The accounts in question have been fully written off, and 1099-C forms have been filed, indicating debt cancellation. These accounts are fraudulent and must be removed from my credit report.

I have provided all necessary documentation, including my identity theft report and correspondence with the creditors. Your agencys failure to act promptly has caused significant harm to my credit score and financial well-being, which is a violation of my rights under the FCRA. 

I have also spoken with Supervisor XXXX  ( Employee ID : XXXX ) and additional representative Ansul ( Employee ID : XXXX ), who explained that while they can not stop my dispute, they would block the fraudulent items from my report if I sent a copy of my identification and the FTC report. Despite complying with these instructions, the fraudulent accounts remain on my credit report. 

I request immediate removal and blocking of these fraudulent accounts and a corrected credit report, in compliance with FCRA Section 605B. Please confirm the actions taken as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX RESERVES ALL RIGHTS
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were not authorized by me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I received a call from XXXX of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. XXXX had shared that the error had been fixed and it would be transparent to me. The following day, XXXX XXXX, I receive an alert from XXXX and XXXX that an inquiry had been placed on my credit reports. My credit score decreased by XXXX points on each credit bureau. On Monday XXXX XXXX I called Chase regarding this issue and was transferred to a supervisor, XXXX XXXX. XXXX indicated that my account was documented that an error had taken place and assured me that it would take 3 business days for the inquiries to be removed. I received a letter dated XXXX XXXX indicating that " As you requested, were no longer processing your application for a credit card issued by Chase Bank USA , NA. This truly angered me because I had not requested credit. There is no application and this letter was dishonest and misleading. Then another letter arrived dated XXXX XXXX from Chase thanking me for contacting them about the inquiries shown on my report. They now said that instead of a three day turn around to remove the credit inquiries, it could now take 6 weeks. When I called Chase to get explanation for for the letter dated XXXX XXXX about my request for credit, XXXX XXXX said, did I think that I would receive a letter from Chase admitting their error. I did call the Executive Office and spoke to a XXXX who indicated that they are the largest bank in the country and no promises could be made as to when the inquiries would be removed. I asked to speak to her manager, XXXX XXXX. I left a message for her and never received a return call. MY last attempt on XXXX XXXX, I called XXXX XXXX, the Supervisor at Chase credit card services and she made it very clear that given the size of the bank, no promise of when the inquiries would be removed. XXXX made it clear that no personal attention could be given and if the inquiries are not deleted from my files, it 's between me and the Credit Bureaus and there is no reason to call them back. 
I have banked with Chase for over 20 years and their behavior and pompous attitude has me truly rethinking of banking elsewhere. Chase created this issue and now refuses to see it through. The inquiries dated XXXX XXXX 2016 remain on my XXXX and XXXX reports and has impacted my score. Any assistance to get Chase to answer for their actions and get the XXXX inquiries off of my credit file would be most appreciated.
Product: Credit reporting or other personal consumer reports

XXXX. My name is XXXX XXXX XXXX and not other names as shown on my credit reports. Please correct name on credit file at once. 
XXXX was not offered credit nor open an account with XXXX ( Bank ) on XXXX XXXX, please delete Inquiry from my credit profile immediately. 
XXXX was not offered credit by XXXX ( Bank ) on XX/XX/XXXX, please delete Inquiry from my Credit File immediately. 
XXXX. I did not open an Account nor obtain credit from XXXX XXXX ( Finance ) on XX/XX/XXXX. Please delete Inquiry from my credit report immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX ( Finance ) on XX/XX/XXXX, please have Inquiry removed from my credit file immediately. 
XXXX. I did not open an Account nor obtain credit with XXXX XXXX ( Finance ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately. 
XXXX I did not open an Account nor obtain credit with XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX, please have inquiry removed from my credit file immediately.
Product: Credit card

My XXXX XXXX XXXX XXXX with XXXX was XXXX scamed. She went to XXXX to purchase XXXX gift cards in the amount of {$300.00} each on XXXX XXXX @ XXXX because she was told her power was going to be turned off if she didn't but that she would get the {$900.00} back after they converted her over to XXXX XXXX ( which is a beverage drink ). She used her XXXX 's XXXX credit card. I called Barclay 's bank within the hour of that occurring and explained the scam to them and my XXXX 's condition. They refused to cancel the transactions because she physically went down to XXXX and made the purchase. I think it is a disgrace that they refused to cancel the transaction and therefore they allowed this scam to play out and my XXXX is now out - {$900.00} and the scammers are ahead + {$900.00}. XXXX that? She used an XXXX credit card of all things to purchase those gift cards!! XXXX is all about the seniors and their rights and protection, seniors are their bread and butter. There was NO protection for my XXXX that day. I'm sure plenty of other seniors are using their XXXX credit cards from XXXX 's to buy these gift cards when they are scammed. Why isn't XXXX doing more to protect the seniors? Why didn't they cancel that transaction to stop that scam? Are they mandated to report elderly financial abuse?
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and XXXX and Equifax requesting that the incomplete reporting of my XXXX account information be changed to reflect the correct XXXX reporting of my XXXX account. 

I have not heard back from XXXX XXXX XXXX. XXXX and Equifax mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and Equifax, but are being reported correctly on my XXXX credit report. 

My request is that XXXX reports the same information to XXXX and Equifax it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that they obtained my personal information and they are making inquiries in my credit and they opened a credit card account that is not mine of bank of america I put a blockade of the credit but it stops that it did not work.
Product: Payday loan, title loan, personal loan, or advance loan

Have a loan through One Main Financial have been paying ahead on the loan since 2018 the interest rate is absolutely outrageous there is no end in sight.
Product: Credit reporting or other personal consumer reports

Hello Jefferson capital I wrote you regarding my XXXX  XXXX. It was illegally closed and you response was that you were going to fix everything they were gon na make everything up-to-date. Im getting a new card in the mail but they made my credit score worse they have me currently late 120 days past due it dropped my credit score XXXX points and because of them Im unable to get a mortgage now Gon na send you the screenshots to Jefferson. This is for XXXX  XXXX once again, my last complaint you wrote me and told me that they were going to fix it. They keep making it worse they didnt fix anything. They still have have my account closed They still have me late and it dropped my credit XXXX for XXXX XXXX and XXXX. I am really XXXX off about this please fix this. This is not funny you have ignorant people working at XXXX  and they are maliciously messing up my credit report they put that Im currently 120 days past due and they just put it on there on XX/XX/XXXX Im gon na send you some screenshots. My credit was almost XXXX and because of XXXX  updating the status on XX/XX/XXXX miss my credit app they messed my credit up. Why did they do this to me? Those people are slow.
Product: Money transfer, virtual currency, or money service

I have made several bitcoin purchases and when you do the transaction sits in a pending state until the recipient accepts the funds. When the transaction is in pending, there as an information button to show why the transaction is pending. It says that a pending transaction can be canceled by going to the website on a computer not mobile phone and gives the steps to cancel the transaction however, the steps are inaccurate and there is no actual way to cancel a pending transaction on the website. I called to complain today XX/XX/XXXX about a bitcoin transfer I made to a recipient in the amount of {$96.00}. They said that even though my screen shows the transaction as pending, it can not be canceled even though their instruction say it is possible to do so. This issue also happened on XX/XX/23 in the amount of {$140.00}, {$47.00} on XX/XX/23 and {$96.00} on XX/XX/23. While I was on the phone for 40 minutes for them to resolve this I was hung up on. I attached pics of the transactions listed and particularly the one that says pending 1 hour and the instruction to cancel. I was called back by the customer service rep who said the transaction had been completed but it's because i was on the phone with them for 40 minutes and on top of it the instructions to cancel the transaction are false as you can not cancel a pending transaction even though the app says you can.
Product: Debt collection

On XX/XX/XXXX, my minor son was in a minor car accident that involved another driver in a rental car from XXXX XXXX XXXX. At the time of the accident we called the police and notified our insurance. We thought the situation was resolved. 

Over XXXX year later, ( XX/XX/XXXX ) we received a letter from XXXX stating we owed XXXX This letter named my husband as the driver of the rental car, he was not. I contacted XXXX, explained the situation, was informed that the statute of limitations for collecting a loss claim under MIchigan no fault law had expired and that I should disregard the notice. Once again, I thought the issue was resolved. 

On XX/XX/XXXX I received a notice from National Commercial Services, ( a debt collection agency ) claiming my son owes them XXXX. I called them, explained the situation and was told my son was illegally driving a rental car as an underaged driver. He was not. Neither my husband nor my son were driving the rental car. 

I believe that XXXX failed to bill my insurance within the 12 month window to claim loss under Michigan 's no fault law. As a result they were trying to make us pay for the damages their rental driver incurred during the accident. 

In XXXX of XXXX I filed a complaint with CFPB ( complaint number XXXX ) and received a response that the case had been closed and that National Commercial Services would no longer be pursuing the claim. At the time I left feedback that I was concerned the issue was not truly resolved and that I would continue to receive requests for debt collection that I do not owe. 

Today, XX/XX/XXXX, I received yet another letter from National Commercial Services attempting to collect XXXX dollars.
Product: Debt collection

Zions Debt Holding has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my report. Previously i was not given a chance to dispute the account which is a violation of 12 cfr 1006.34 ( c ) ( 4 ) ( I ). Zions Debt Holding is also violating my rights by using false and misleading misrepresentation and deceptive means.
Product: Credit card or prepaid card

XXXX XXXX ATTN CF XXXX XXXX HERE I BELIEVE .IT APPEARS SOME DISCRIMINATIRY ACTIONS GOING WITHIN CREDIT REPORTING. 

SEE ATTACHED FILES FROM XXXX AN EQUIFAX 50 POINT DIFFERENCE UNEXCEPATABLE XXXX XXXX XXXX XXXX
Product: Student loan

I went to XXXX in XXXX XXXX and I took out a school loan with XXXX XXXX. I was told that I would have low payments after I graduated around {$100.00} a month. XXXX XXXX and XXXX took complete advantage of my situation and did not explain the terms. At the time I was young and excited to attend college. XXXX did not provide classes as they promised and I ended up having to drop out. I did not get gradate. I 'm paying for a school loan that I never used. My loans were transferred to Navient and I pay about {$400.00} a month and that does n't include my other 4 loans that are federal. I 'm struggling and have asked Navient several times to lower my payments and or interest rate. Navient will not provide any assistance. I owe about {$37000.00} now.
Product: Mortgage

My dwelling insurance policy must be paid by XX/XX/XXXX for {$910.00} ; otherwise, the policy will be canceled. I spoke with PHH mortgage ( Loan number : XXXX ) and requested that payment be made by XX/XX/XXXX. The agent stated the payment was made by PHH mortgage on XX/XX/XXXX, but it was not credited to the insurance, and the agent could not tell me how the payment was made. She said she would request another payment by wire and call me back with an update. She called me several days later but could not verify the payment was made. 

I contacted the insurance company on XX/XX/XXXX to request the status and they stated PHH did not pay the insurance and it would be cancelled the next day. I called PHH again on XX/XX/XXXX and asked for the status. PHH stated a wire would be made and it paid after XXXX business days after. PHH would have failed to pay the outstanding payment to the insurance company in time, and I paid the outstanding balance of {$910.00} on XX/XX/XXXX since PHH failed to clear the payment as required by the XX/XX/XXXX deadline. 

On XX/XX/XXXX, I received a call from PHH stating they paid on XX/XX/XXXX and that the insurance company did not accept payment electronically. This took XXXX days to find out, and PHH did not attempt to close the outstanding balance, even though they stated they made multiple payments after XX/XX/XXXX, which they did not verify. 

I asked what steps they took to ensure it was paid in time, and they stated the payment on XX/XX/XXXX was their only obligation, and it was my problem that the insurance company required payment by check, and they would not take any steps to address it, and it was my problem. I spoke to them again on XX/XX/XXXX, and they still could not confirm whether a payment was made and would not pay me back after I made the payment to the insurance company, saying that it was not an option for them to pay me back. I would need to ask the insurance company for payment. How could I ask the insurance company for my payment when that was the only payment credited to the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Credit card or prepaid card

See CFPB complaint XXXX for background. I'm filing an additional complaint as the company did not address my concerns in their response. Please re-investigate this complaint ; they do not respond to the matter that is being questioned at all. Since XX/XX/2020, any application that has been submitted has been automatically rejected, denying my right to a fair review of a credit application and review. There is no reason that my account should be on a permanent denial basis moving forward indefinitely, and that is the status that it's currently in. When I called on XX/XX/XXXX and made a complaint with American Express, I was told explicitly that I would have a phone call returned with an update regarding my inquiry. The company failed to reach out to me and give me any update regarding my inquiry ; when following up subsequent times, they also had no additional information they could provide. 

My rights to have a fair, equal credit opportunity review and qualification are being denied. Since XX/XX/2020 I've been automatically declined for any AMEX product, when contacting the company to handle this dispute, I was told they would do research and get in touch with me in two weeks with a rationale. 

CFPB, is the only way of getting reprieved from this situation civil litigation? Is there any enformcentment to ensure they are aboding by ECOA?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in US mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.
Product: Debt collection

Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a XXXX XXXX on XX/XX/2017.
Product: Credit card

My card was stolen, I notified capital one on XXXX/XXXX/15, they have decreased my balance by the fraud amount but have not made it available to me.
Product: Credit card

In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.