23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple complaints to Experian stating I was disputing a Bankruptcy on my record. I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. I have also included a letter from the same public record vendor that Experian said they used in the response to XXXX. Once again, this proves that Experian has failed to follow the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ),  you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ). My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or  verified these public record entries on my credit report, neither will they ever be by them. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX and XXXX I was unable to pull equifax. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXXXXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS
Product: Checking or savings account

Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.
Product: Checking or savings account

I am filing this complaint against Chase Bank regarding a {$300.00} account-opening reward that has not been credited to my account, despite my fulfillment of all required conditions. 

On XX/XX/XXXX, I opened a new account with Chase Bank based on a promotion that promised a {$300.00} bonus upon receiving a direct deposit of {$1000.00} within the first three months. I met this condition as required. 

When I opened the account, I was assisted by XXXX XXXX XXXX, a banker at Chase. He assured me verbally that everything was in order and that the promotional voucher was processed. However, I did not receive any written documentation confirming this. Trusting XXXX XXXX 's word, I was unaware that additional paperwork or confirmation was necessary. 

Towards the end of XXXX, noticing that the bonus had not been credited, I began following up with XXXX XXXX and Chase customer service, leading to the opening of Case Number XXXX. Over the next three months, I repeatedly contacted them seeking resolution. In XXXX, during a phone call, I was informed that nothing could be done because the voucher did not go through. 

As a XXXX  I had calculated my budget with the {$300.00} bonus in mind. The absence of these funds has caused significant financial strain, as I made spending decisions based on the expectation of receiving the bonus. The ongoing delays and lack of resolution have caused me considerable stress and inconvenience. I have spent the entire summer attempting to resolve this issue, all through no fault of my own. 

Due to Chase Banks failure to provide the promised reward and the extreme inconvenience this has caused, I am seeking assistance from the CFPB to resolve this matter. Specifically, I am requesting : 1. The immediate crediting of the {$300.00} account-opening bonus to my account.

2. An additional {$700.00} in compensation for the ongoing inconvenience, financial troubles, and extreme mental stress caused by Chases failure to act. 

I believe this request is reasonable given the circumstances and the amount of time and energy I have invested in trying to resolve this issue directly with Chase Bank. Their lack of responsiveness and failure to honor their promotion has left me with no choice but to seek external assistance. 

Attached below are my monthly statements for XXXX and XXXX. They clearly depict that the account was opened on XX/XX/XXXX, and I had more than XXXX dollars of direct deposit come in within the first 2 months itself. I am happy to provide any account opening documents as well if required. I have also attached a document with screenshots of all of my communication with XXXX XXXX over email, from XXXX to XXXX. For reference, the case number with them is- XXXX. 

I appreciate your attention to this matter and hope for a prompt resolution.
Product: Debt collection

I don't recognize this account, a phone call was made to communicated that this was somebody else 's account and nothing has been done.
Product: Debt collection

This is not my debt and I would aporeciate CBC stop placing inquiries on my credit report.
Product: Mortgage

Last week, we sent this to Spring EQ. We are still waiting to hear from them, and we have suffered monetary loss. 
" Pursuant to 12 CFR, 1024.35, please consider this additional notice to Spring EQ and the payment processing agent ( XXXX  ) regarding the error that occurred by duplicate recordings initiated by Spring EQ in XXXX, 2022 and XXXX, 2022, respectively. I am attaching copies of all the e-mails and lien records for your reference. I have attempted to contact Spring EQ on at least 10 occasions by phone and have left many voice mails. I have yet to receive any resolution or confirmation that acknowledges the dispute or acknowledgement of willingness to research our claim of error. 
Please advise acknowledgement of our claim and status of the needed correction within six business days. We have suffered monetary damages due to Spring EQs duplicate lien in an amount that exceeds {$430000.00}. Our property and home has been tied up with erroneous lien ( s ). ''
Product: Checking or savings account

Open the XXXX account, not in accordance with the contract interest rate deposit to my account. I went to the branch several times, but they can not resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my Experian credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here. 

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX Make sure to add the correct address for XXXX XXXX and todays date. Let me know if youd like to adjust anything further!
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX XXXX XXXX have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX Equifax XXXX XXXX
Product: Credit reporting

I have been trying to request my annual credit report from Experian through the XXXX website for the past two weeks. I have been getting the following message and was unable to get the report : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Equifax continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on Equifax. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose
Product: Credit reporting or other personal consumer reports

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX   verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully XXXX XXXX compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Product: Credit card

Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my phone was stolen in XXXX, my phone was pass code protected, yet the person/persons who stole my phone were able to unlock it and get into my online banking and digital wallet. I was not aware of the transactions that were being made on my device, nor did I authorize anyone to make those transactions, I had only become aware of the unauthorized activity when an individual who I was traveling with, received a call from my wife, stating that she had received some calls from our family and friends that I was texting them that I was in trouble and needed them to send me money via XXXX XXXX  At that time my wife checked our accounts and noticed the strange activity on our accounts, so she proceeded to call Wells Fargo online and alerted them and opened a claim. When I was made aware I called Wells Faro Online and had them deactivate my online banking and freeze my accounts. I filed a police report with the XXXX Police Department on XXXX XXXX. They used my digital debit card that was on my phone, they transferred money from my online savings into my two different checking accounts, they created a new digital card from a checking account that was never linked to my phone, and they added 2 new XXXX contacts and transferred money with XXXX. I have filed multiple claims with Wells Fargo, have gone into ( 2 ) Wells Fargo branches and had a banker call and help me dispute the claims, I faxed over the police report and did not receive confirmation that it was received, I have called numerous times and I am not able to speak to whomever is handling my claims. I just received letters stating that my claims were denied. I filed a claim with an executive and I never received a call only an email that my claim was denied. Only XX/XX/XXXX I received an email that one of claims was approved that a mistake had been made and it was reversed, I called about my other claims, yet I was told there were denied. On XXXX XXXX I submitted a complaint and I was informed that all but the XXXX transactions had been submitted in my claims so I had to submit a new claim. I submitted a new claim for the XXXX and they were denied.All this was done without my authorization, knowledge, and by someone I do not know. Below is a summary what was done on my accounts : 1. ( 2 ) online transfers between my accounts one for {$5000.00} and one for {$6000.00} 2. 28 transactions using my digital debit card that was linked to my everyday checking account, of the 28 transactions 16 went through for a total of {$4900.00}. This claim was reversed on XX/XX/2022 3. A new digital card was created and a total of 11 transactions were made with all of them going through for a total of {$1000.00}. This claim was approved by the fraud department 4. ( 2 ) new XXXX recipients were added and they sent {$25000.00} to one and {$830.00} to the other. This claim was never opened prior to the original complaint and it had to be opened after. I called and they stated that this claim was denied.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for an installment loan / line of credit for {$5000.00} from Synchrony Financial / CareCredit but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have a synchrony bank XXXX store account in positive standing. I have a Synchrony Financial XXXX  credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there I have some valid accounts with incorrect history and some accounts that don't belong to me at all! 
My mortgages below are valid accounts but the history is incorrect! 

XXXX ) XXXX XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) XXXX Account # XXXX They have me lates on the days below, but I'm on forbearance and was advised it would effect my credit negatively XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This company below was my previous mortgage servicer and they are reporting me late when I was deferred and then they sold my mortgage XXXX BANK Account # XXXX Opened XX/XX/XXXX Lates incorrect below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The accounts below does belong to me but they are reporting me late and I was never late XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$860.00} They below lates reporters on my credit in wrong below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts below do not belong to me at all! 
XXXX ) XXXX XXXXXXXX co l Account # XXXX Opened XX/XX/XXXX Amount owed {$660.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$570.00} XXXX XXXX XXXX XXXX Co L Account # XXXX Amount owed {$400.00} XXXX ) XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Amount owed {$280.00} XXXX XXXX XXXX XXXX CO L Account # XXXX Opened XX/XX/XXXX Amount owed {$190.00} XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount owner {$0.00}
Product: Credit card or prepaid card

I called to make a payment on my Bank of America credit card. I was several days late with this payment, {$110.00}, which was due XX/XX/XXXX. I attempted to pay more than the amount due on XX/XX/XXXX, {$120.00}, but Bank of Americas automated system said that I owed the full amount due XX/XX/XXXX AND the full amount due next month on XX/XX/XXXX : {$290.00}. I can only pay {$120.00} at this time. 

Instead of allowing me to pay {$120.00} more than the amount due now - Bank of America transferred me to their customer service operator. No one picked up my call after 20 minutes. I tried calling back. I was transferred to their customer service line again and put on hold for 30 minutes. After no one came on the line, I hung up and tried to access my online account. 

This is where things became more disturbing : My checking account information had been deleted from my credit card account (?! ). I re-entered my checking account information so I could make a credit card payment but received a message that Bank of America requires verification of two deposits into my checking account before they'll allow me to make a payment from my checking account. 

This is fraud. I owe what was due XXXX XXXX. Playing deceitful games on their phone customer service line and on my online account doesn't help either me or Bank of America. I can't pay them what I owe, and Bank of America doesn't get the money that they're willing to commit fraud to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.
Product: Checking or savings account

i received an email on XX/XX/year> from Chime regarding a Chime XXXX XXXX XXXX XXXX Credit Card that i did not authorize or apply for. it also said i have a checking account opened. I did not open this account. i called and gave all my personal information to chime and ask them to close the account. I am still receiving emails from chime and they have not honored my request to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to US Bank with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.