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

Despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I trust that Credit Bureaus takes matters related to credit reporting and customer satisfaction seriously, and I am hopeful that this matter will be resolved promptly and to my satisfaction. If this issue is not resolved within a reasonable exact timeframe, I will have no choice but to seek legal counsel and report the matter to the relevant regulatory bodies. I am asking for your assistance to remove the fraudulent items : 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
Product: Credit card or prepaid card

I do have chase credit card ( XXXX XXXX CARD ) they have a travel reward up to {$300.00} a year if you travel and up-grade to business i did travelled on XX/XX/XXXX business class ( my tickets was {$3100.00} ) on XXXX i sent my request to get my rewards credit, which they reply to me that they want a specific dates which it was including on my first message to them, I only travel once on XXXX we already know how tough is the year. 
so I called them and I did talked to some one and told them the date and the charges, he said ok you will get your travel reward with 1 - 2 bills then we my family got XXXX and we struggled and fights On XX/XX/XXXX I was preparing my Taxes for XXXX and have all my business charges and all expenses ready for my tax guy I DID FIND OUT THAT i DIDNT GET MY REWARD CREDIT from Chase I sent friendly Email to them was thinking there is no big deal and they will apologize and will give it to me they answered that they will not going to give it to me because I did not tell them the dates, and they informed me this I explained I did talk to someone on XXXX and give him the dates, but they refused to do so till now what make really thinking that they discriminating against me that my wife has a different acct with the same bank, she also travelled with my daughter and she request the travel rewards ( on the same dates ) and she get it and chase sent her a message that they approving it with no problem so sad that big bank like them don't consider the very special year we just had
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintain timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. According to US 15 Cod1681e - Compliance procedures ( b ) Accuracy of report. Its is imperative that this information be reported with utmost accuracy. I have always made my payment on time and if I would of went this long as my report states I would of lost everything by now. I never missed a payment on any of the following account 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 

I request a thorough investigation into these discrepancies and urge to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly update to reflect there true status as on-time and have consistently upheld my payment obligations without delay.
Product: Checking or savings account

HSBC advertised a {$350.00} bank bonus promotion for opening a checking account by XXXX XXXX, XXXX and pay at least two bills per months or having a direct deposit into the checking account. The account was opened on XXXX XXXX, XXXX and funded with the required amount of at least {$1500.00}.. Two bill payments were made for XXXX and due to a death the in family overseas, I was not logging into my account. Later, when I tried to log into my account, the account was not accessible and locked. On XXXX XXXX, XXXX, I spoke with XXXX who told me that as long as I make two more months of bills payments and then call HSBC, I would be able to receive the {$350.00} bonus and she would leave notes on my account for the next representative. On XXXX XXXX, XXXX, I contacted HSBC and found out that XXXX did not make any notations on my account regarding the promotion. Also, I notified HSBC that the two additional months of bill payments were completed in XXXX and XXXX and to request the {$350.00} incentive be credited to my account as soon as possible. 
It is very frustrating to speak with HSBC representatives in the Premier department who refuse to transfer the call to a supervisor upon request and who deny the promotion despite being in the other department.
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Case Number : XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 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 I WAS PRE APPROVED ON ONE CAR LOAN FOR XXXX XXXX ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXXXXXX Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX  - XX/XX/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
Product: Mortgage

I made an extra principal payment on my mortgage on XX/XX/2022 to reduce the loan-to-value ratio ( based on property purchase price ) below 80 %, and I requested removal of PMI. My loan servicer, ServiceMac, emailed me a form to complete on XX/XX/2022. I completed the PMI removal request form and emailed it back to ServiceMac the next day on XX/XX/2022. ServiceMac never acknowledged receipt, so I followed up via email on XX/XX/2022 to see if they received the form. They responded 9 days later on XX/XX/2022 that they received the form and that it was under review. They subsequently responded on XX/XX/2022 that the investor required a broker price opinion ( XXXX ) at a cost of {$150.00} to support removal of PMI ( even though I paid down to less than 80 % LTV based on purchase price and numerous free automated valuation models ( AVM ) are available to support that the property has obviously not depreciated ). I responded same day on XX/XX/2022 that I found it hard to believe that an AVM was not available and asked them to clarify if I paid the principal balance to less than a 78 % LTV that PMI would be removed without the need to pay for a PBO. I received no response. I sent subsequent emails on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking for the status of my PMI removal request and have received no response. ServiceMac is clearly delaying the process to continue to charge PMI, which I have requested to have removed. The fact that they have stopped responding at all to my requests is wholly unacceptable.
Product: Debt collection

On XX/XX/2023. I was made aware of a negative credit to my credit of approximately XXXX dollars. From XXXX XXXX XXXX. 
I got no written notice nor did I give permission for any debt I owe to be released to debt collectors nor was I informed of my rights to protest the accuracy of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to get my free credit report from Equifax with ease.
Product: Credit reporting or other personal consumer reports

I was coerced into getting the card in the first place for discount on product. XXXX 's fraudulent business practices have harmed my credit. 

Once I received my card I never received any billing statements, either in the mail or via email. Customer service told me I signed up for email statements which is impossible as I do not pay the bills, my husband does, but also, when I asked what email address they have been sending my statements the email address was incorrect. When I tried to pay in the store, the store will not accept payments. When I ask them about my card they say I have a {$750.00} credit line and everything is fine. But everything is not fine! 

I am unable to access my account information through their website. The only way I've been able to pay is over the phone or online with assistance. 

I have now learned that XXXX has reported me to the credit bureaus multiple times for late payments when I never received billing statements! I reported XXXX 's unfair and deceptive practices to a Fraud Supervisor " XXXX '' at COMENITY Bank, Bread Financial. It was XXXX who told me about the hidden monthly charges that XXXX imposes even if I haven't used my card and have no balance due! Those hidden fees that consumers don't know about can trigger negative reports to the credit agencies especially if you don't get statements and don't know you're being billed even if you're not buying product. 

I am reporting XXXX 's unwarranted hidden charges, deceptive practices and the negative reporting to credit agencies when they didn't even send me billing statements so I could set up an auto pay ( how we pay all our bills ). I have never received any notice alerting me that my account is due or past due. I pay my bills on time. The negative XXXX reporting is the only negative information on my credit report. 

I ask that all the negative XXXX reporting to the agencies must be removed from my account. There is no balance owing on my account.
Product: Credit card or prepaid card

After filing a complaint with Consumer Financial Protection Bureau, Bank of America sent my complaint to their Debt Collection department despite my credit card account being current and I have paid as agreed. Bank of America sent me a letter indicating they would notify 3 credit bureaus I disagree with the disputed amount at the same time they indicated my dispute was going into arbitration with visa and they would fight on my behalf.

We've contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file.

Attached are calls with Bank of America Representatives On XX/XX/XXXX On a call I was advised would be recorded by BOA ; I was told by BOA Claims Supervisor XXXX & BOA Claims Manager XXXX, that my case was in Arbitration and Bank of America does not make the decision of when the claim could be resolved. XXXX advised We ( BOA ) will present our facts so we are arbitrating to Visa why we would like this chargeback to the company and be refunded, and once visa reviewed the case, they will make a ruling. XXXX advised while you are disputing the charge you are not responsible for this part of the balance so I can minus {$1000.00} from my total balance.Claims Supervisor XXXX was very kind and professional however I wanted to speak with a Claims Manager regarding the merchant transaction remaining on my statement while the transaction is in arbitration when I am not expected to pay it. I wanted to get a better understanding of BOA Standard Operating Procedures. 

After Escalation to Bank of America Executive Client Advocacy Group On XX/XX/XXXX During a call I was advised would be recorded ; XXXX from Bank of America Executive Client Advocacy Group communicated my claim had been closed and she was sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights. 

XXXX XXXX XXXX - Account No. XXXX XXXX  XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX - Account No. XXXX 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 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

This is an addendum to my previous complaint. I would like to add to it, I got a hold of the supervisor in the security department and was told that they moved forward to close my account even though the initial reason of the deposited check being flagged was cleared, they are gon na close it anyway and I have to wait 30-60 days for this to happen and to get the over XXXX out of my accounts! This is ludicrous and will affect my credit and has caused me great anxiety and stress for a week straight! They need to be held accountable for their actions Citibank account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date openedXX/XX/XXXXplease find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed for XX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the FICO score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

It has come to my attention QuickCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. 

QuickCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. 

The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. 

This company called so many times that I had no choice, but to keep my phone on silent or possibly lose my job which caused me to miss a phone call and miss the birth of someone very important to me. She wasn't even able to leave a voicemail because it was full of all their missed calls. This is something that I will ever have the opportunity to experience again. 

I have attempted to notify them via email multiple times, but they refuse to respond. While skimming through my spam email folder today I discovered an email from a collection company by the name of XXXX XXXX XXXX, XXXX who claims to have been given my account from another company by the name of XXXX XXXX XXXX both of which I have not had any contact with. 

I replied to the from XXXX XXXX XXXX, XXXX notifying them of the unlawful actions of the company and that my agreement with them was legally void. I also typed out a letter with the same notice to them that will be in the mail tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1602 ( p ) - Congress ensured that unauthorized use of a consumers information is a violation. Any violation is a civil liability paid to the consumer. You have deceived me, you have frauded me, and committed identity theft, you have caused pain and suffering. I, XXXX XXXX did not give written consent for the accounts in this complaint to be furnished on my consumer reports. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 

COLLECTION/CHARGE OFF REMOVAL Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best Regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved Attached is my identification.
Product: Checking or savings account

I have a Notarized Power of attorney to be able to handle my sons banking -as told was necessary -he is XXXX and needs his money to retain legal representation-He banks with credit karma and its terribly hard to get help-They requested notarized POA which we did-they sent a new debit card for the account-but I can not go into the account to activate it-I have told them the problem everyday-since the card came-everything with them and XXXX XXXX is electronic and uses the account holders phone for verification-my sons phone is gone and deactivated and they wont help by-pass this so I can get into the spend account he has to be able to activate it -I dont know what else to do he is scheduled to go to court again on XXXX-I keep getting robo replies and time is of the essence.Please help-Thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX G - XX/XX/2024 XXXX XXXX G - XX/XX/2024 XXXX  - XX/XX/2024 XXXX XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024XX/XX/year>