23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022, I signed up an US Bank XXXX XXXX Account with promo code XXXX. The following are the text I grabbed from the sign up web page : Earn {$400.00} when you open a new eligible U.S. Bank checking account and complete required activities.1, 2 Offer valid through XX/XX/XXXX. 
Earn your reward. 
Complete these steps within XXXX  days of opening your new Platinum, Gold or Easy checking account in a branch, online or over the XXXX Enroll in online banking or the U.S. Bank XXXX XXXX XXXX 
Complete XXXX or more direct deposits totaling {$4000.00} or more. 

To have the promo code automatically entered for you in the application process, use the Apply buttons below. If you apply for your checking account on another page, youll need to enter this promo code XXXX : XXXX. 
Easy Checking account This is a basic checking account with standard features available in all of our checking packages. These include mobile and online banking and a U.S. Bank XXXX XXXX XXXX. 
The {$6.00} monthly maintenance fee can be waived if any XXXX of the following applies to you : Your combined monthly direct deposits total {$1000.00} or more. 
You keep an average account XXXX of {$1500.00} or more. 
You are age XXXX or greater. 

I have since fulfilled the requirements, deposited more that {$4000.00} within the 60 days. I have yet to receive the bonus after XXXX months. 
I have contacted US Bank customer service on XXXX occasions : - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX  Each time they would email request to another department to research the issue. I have yet to hear anything back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continually lowballed my credit score, XXXX and XXXX have my XXXX score the same equatory to rate as XXXX, XXXX, yet Equifax which has exactly the same listed as XXXX???? 

Please have them correct and upgrade my score, my XXXX is XXXX
Product: Credit card or prepaid card

I booked online car rental using their website ( XXXX ), upon landing at the destination, and at rental kiosk the service was not provided as there were no rental car at that time. 
I filed a dispute with credit card company the same day to issue me refund and unfortunately despite of several calls and attempts to resolve the company is refusing to adjust the transactions for refund - The charge was {$340.00} booked on XX/XX/2022 - Service was not provided at the rental kiosk XX/XX/2022 - Credit Card - Chase ( Freedom Credit Card - XXXX ) initially refunded the amount the same day, but they kept charging the amount after 3 months in-spite of them crediting multiple times and also closed and issued me a new card for the same as Fraudulent transaction. 
- Chase credit card did provide some document to rebill in the month, but later they themselves revoked it considering the document as invalid and fraudulent as the name on the document was not mine. Find the document attached ( page 10 ). 
-Today, XX/XX/2022, i see the charge posted again, when i asked them for valid proof of signature, they do not have one as the service was never provided.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, delete 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 an account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXXXXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Experian is reporting accounts on my consumer profile due to an alleged identity theft. These accounts involve transactions unrelated to me, and I did not derive XXXX  benefit from them. I've provided Experian with written correspondence, including proof of my identity, an identity theft report, identification of the relevant information, and a statement, as legally mandated. They are obligated to block and remove these accounts within XXXX business XXXX  of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over last 6 months I disputed a collection with XXXX XXXX XXXX. I had requested a VALIDATION OF THIS DEBT to a response verified. It is obvious it was not investigated as I requested but simply put through the e-Oscar system. Per my rights, for a company to report I owe a debt they must show the credit agency upon request a original signed contract between me and them to deem valid. This obviously has not been done. 

XXXX and XXXX has deleted this account for failing validation. But transunion is not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried fixing this issue with the Equifax, attached police reports and everything and they say these fraudulent accounts belong to me. They need to be deleted now, like the rest of the credit bureaus did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX  another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low XXXX hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of today XX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. Equifax has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.
Product: Debt collection

Late last year I discovered that XXXX XXXX has been reporting a collection account in my name to XXXX, and they have been reporting this collection for several years ( since XX/XX/XXXX ). I did not apply for an account with the original creditor ( Citibank ). I have never held a credit card from them and I have never received any documentation from the original creditor this account was for. I also have never received ANY communication, written or via phone call, from XXXX XXXX to notify this debt was passed to their office. I only became aware of this account when checking my credit report for the first time in several years. 

After becoming aware of the collection account I sent a certified letter to XXXX XXXX on about XXXX XXXX, XXXX requesting that they validate the debt they were reporting to XXXX. 

This letter was returned to me undeliverable. 

Frustrated, I filed a direct dispute online with XXXX, using the reason " This account was fraudulently opened by someone who stole my identity ''. Surprisingly, the dispute came back " verified '' and no change was made regarding this account on my credit report. I now realize that the incorrect " dispute reason '' was probably used, nevertheless I have no previous knowledge of this account so it made sense to me. 

Still frustrated I called XXXX XXXX and asked for their mailing address to send a letter regarding an account. The person on the phone gave me the following address : XXXX XXXX XXXX XXXX, TX XXXX. On XXXX XXXX, XXXX I again mailed them via certified mail requesting validation of this collection account. Again the mailed letter was returned to me undelivered! At this point I feel that something very unscrupulous is going on and this XXXX XXXX company is intentionally making it difficult for consumers like me to exercise my rights by requesting validation of negative information that they have been reporting on me for years. 

Their business practices are unethical at best and appear to be in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Date Opened - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under 15 U.S. Code 1681e ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item, of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX XXXX, I noticed a collection account of my credit report from Jefferson Capital Systems. 

I never did business with this company and asked for proof they are legal owner of the alleged account. After waiting several weeks for their response, I have not received a reply.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally refile a complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/year>, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within XXXX XXXX  Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is regarding my past complaint number XXXX for Synchrony Bank XXXX They have not resolve my dispute and I paid full amount whatever is left over in XX/XX/2021, but they have not reported that credit to credit reporting agency even though my balance is {$0.00}. On other hand Synchrony Bank Pay pal credit is showing as opened on XX/XX/2021 where as it is old account for more than 5 years. They have done fraudulent activity with my account and needs investigation as my credit report had come down by XXXX points. Also I was told by Synchorny Bank that I don't need to pay anything until Dispute is closed and I made payment after dispute is closed unresolved. I need answer from Synchrony Bank to fix the issue and report the right information to all credit reporting agency asap.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies use their grave responsibilities with fairness, impartiality, and a respect for my consumer 's right to privacy. '' Transunion is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which express " 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 customer 's non public personal information '' ( Furnisher of information to credit agencies ) the financial institution by definition under that title. 15 USC 1681 section 604 a 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 : in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my written or oral consent to furnish this information .Any and all consent to Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also the 15 USC 1681C ( a ) ( 5 ) says " Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion are not maintaining reasonable procedures. As well 12 CFR 1016 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card or prepaid card

I purchased a flight through this credit cards travel program for a flight on XX/XX/22, the airline never issued my boarding pass. I called chase to try to resolve at the airport but they couldnt get in touch with the airline. Post then, I have called Chase ( the credit card issuer ) to dispute this transaction since I never received the service. I have called Chase between 8-12 times over the course of almost 3 months and never receive an answer or resolution. I was never issued any credits or refund around this ; and have been told numerous times that someone will follow up on the case but no one has.