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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/ 2017 Balance {$940000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened a checking account in XX/XX/XXXX. It was part of a promotion. If conditions were met, which were a certain amount of deposits and withdrawals, I would receive XXXX bonus miles on XXXX XXXX within 30 days of completing the requirements of the promotion. I did so on XX/XX/XXXX and I have yet to receive the miles. 

My husband opened a checking account as well on XXXX. He met the requirements on XX/XX/XXXX and he has also not received the bonus miles. 

In the terms and conditions of the promotion, it states clearly in bold face that the miles would be credited within 30 days of meeting the requirements. The bank has been stonewalling me for almost 2 months. I was going to use these miles for a vacation in XXXX, which now is highly unlikely. 
I would think this is considered Fraudulent!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wells Fargo numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by Wells Fargo ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to XXXX knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for 900 something dollars. Wells Fargo refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.
Product: Mortgage

My loan was originally with XXXX XXXX  when I started my foreberance back in XXXX of XXXX. I was in foreberance for 5 months and then started my payments again. I submitted all the paperwork requested at that time and was informed that the loan modification takes about 30-45 days. I have continued to make all my paymemts to date and have called weekly for updates. XXXX never completed the process that year and then moved my loan to Myloancare as of XX/XX/XXXX. I continued to call weekly for updates and was reassured everything was fine that they are back logged due to XXXX. They pulled my title in XXXX and that was as far as they got. Kept getting the run around as I called weekly. Some of their associates couldn't believe what I was going thru and escelated my file several times. Now we are in XXXX of XXXX and they are requesting all new paperwork because the original is out dated. Also I just teceived a formal letter of intent to foreclose. I have filled out a whole new packet and sent everything again to do my part. I have never heard of any company taking over a year to process a loan till now.
Product: Debt collection

Volkswagen Credit never disclosed my right to dispute the debt. 

I submitted a debt dispute to Volkswagen Credit. I have been told that they do not have to provide debt validation. Another agent informed me that they will not provide the documents that I requested, but she could submit what they send for a debt validation, which is a debt validation cover letter, copy of the contract and the payment history. - I still have not received this. 

I was told that they dont respond or deal with people like me who use sovereign person language. 

I have requested a notice to rescind from Volkswagen Credit and they refuse to submit the proper documentation to me. I have asked for this 3 times. 

In writing and on a recorded line, they continue to violate my XXXX and FDCPA. They refuse to disclose my documents and the information that they are obligated to.
Product: Credit reporting 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. Account name- XXXX  XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX {$240.00} 7 ) XXXX XXXX XXXX  {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX  {$11000.00} 12 ) XXXX XXXX XXXX 13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter disputing false information on my credit report to Experian on XX/XX/XXXX, they didn't finish their investigation until XX/XX/XXXX which is a violation. Then they didn't fix the errors so i submitted a complaint to the CFPB on XXXX XXXX, it is now XX/XX/XXXX which is 15 days and still no reponse from experian stating that they are going to fix the problem.
Product: Debt collection

Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

My Barclaycardus credit card ( XXXX XXXX ) informed me in XX/XX/XXXX that my minimum payment was {$29.00} on the XX/XX/XXXX statement. Because I was strapped for cash I ordered my bank to make monthly payments of {$29.00} to keep this credit card paid up until I could pay it off. 

Today I logged into my account to increase the payments to pay it off as I have the cash now. I see that each month they have added a {$40.00} late fee to my account even though I paid the minimum amount they informed me on my bill in XXXX by the due date each month since then. 

Today I called them and talked to manager XXXX. I asked for the {$40.00} late fees to be removed off my bills. She told me that the {$29.00} was not the correct minimum payment ( even though it appeared on my XXXX bill ) because it did not include additional fees. She also told me that the interest rate was 29 %. 

I want these fees refunded. I also question whether your agency is going its job to allow a 29 % interest rate on credit cards. 

Please respond to my complaint. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/2018 about incorrect addresses that appear on my credit report. They are reporting this erroneous address as XXXX XXXX XXXX XXXX XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX, ND XXXX. When I talked to XXXX, the Experian customer rep, she explained to me that the 23 accounts that are tied to these physically unverifiable addresses can not be removed without a letter from the creditors asking to have it removed. I explained to her that, as a credit reporting agency, Experian must, by law, report CORRECT information, lest they be sued for fraud. She remained steadfast that unless the creditors from these 23 accounts contacted Experian and admitted their mistake in reporting these erroneous addresses, there was nothing she could do to remove these accounts nor the unverifiable addresses.
Product: Debt collection

I have already asked them to stop contacting me because I no longer owe this debt. I sent them a letter back in XX/XX/2012 to verify the debt and to cease communication with me. It was a hassle to get them off my credit report. And today they are still trying to me a letter about settling the debt.
Product: Debt collection

1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Will not show where I signed that I owed.I have no known of this account
Product: Credit card

We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.
Product: Credit card or prepaid card

I have been incarcerated from XXXX to XX/XX/XXXX I serve 13 years straight and did not open this account with capital one. I was incarcerated when this fraudulent account was open and couldnt and didnt have open any account incarcerated. I call capital one numberous time and disputed it with them along with government documents showing that I couldnt have open the account because I was incarcerated. Capital one open a fraudulent account in my name and refused to fix the problem or properly investigate it by look at the document I mail and fax over
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I've had this credit card for over 3 years with a XXXX limit that they have only increased once. Each time I make payments they usually apply very quickly however recently that has been different. I made a {$1000.00} payment and I have attached evidence from my bank statement showing that it was removed from my bank account. It was applied to my credit card and then it was suddenly not. They keep holding payments and they won't apply them to my card suddenly. Not to mention that there are holds and pending transactions for companies like XXXX that have been held for weeks I can't even see them there is nowhere in my account that I can view them. They will just verbally tell me when I asked them like today. This is the strangest thing I've ever seen and it's changed over the last 6 months. Now with {$1000.00} missing out of my bank account for a payment and they want to play it to my card and it goes against their actual rules about payments when they post it's concerning and I don't get an answer from them. How is my balance {$600.00} for the attachment but I only have a little over {$300.00} available for use and my limit is {$3200.00}? I make XXXX annually and have never missed a payment with excellent credit rating but they never increase my spending allowance.
Product: Debt collection

Continuation of CFPB complaint # XXXXDebt is over 15 years old. I received a call from XXXX who stated he is going to file a law suit against me for {$6000.00} that he claims I owe US BANK will file suit in XXXX XXXX Maryland. He stated I signed something extending the collection date ( I did n't sign anything ). His number is XXXX. I DO NOT OWE ANYTHING TO US BANK AND I AM BEING HARRASSED BY THIS DEBT COLLECTOR!!!
Product: Checking or savings account

This is my second complaint against SUNTRUST! This company has continued to hold funds that were provided to be for my business. However, suntrust has made it their responsibility to mark my account as fraud. Although my account is legal and the funds were deposited legally!! This is money that I provided to me to help support my business. How dare Suntrust deny me my funds! Ive also received nothing but run around a from this company. This company is disgusting in how they do business and they should be shut down! Ive banked with other banks before and decided to try suntrust! And this has been the worst mistake!!! The only reason I chose them for my deposit is because they had a promotion going on! Ive been dealing with this since XXXX! Ive even contacted the company that provided the funds and they have not stated anything about the check being fraud, which means SUNTRUST has taken this upon themselves to do this without reason which is unethical! This is complete discrimination because they have no basis to hold my funds this long! SUNTRUST also has not contacted me about why they are still holding the funds or given me a reason why the investigation is still going on. I really wish that someone would at call me or email me directly! I have receive a check for XXXX $ but they are still holding on to my XXXX $ and I want my money released immediately!
Product: Debt collection

Hello! The company " Lending Club '' has sent me WARRANT IN DEBT ( CIVIL CLAIM FOR MONEY ). This is the first time that the company has contacted me about this debt. I contacted the company on XX/XX/XXXX at XXXX XXXX  and informed them of the inaccuracies in the debt and that they did not contact me prior to filing a judgement to collect any debt owed. I have been disputing this debt due to the inaccurate information on the debt that is being reported. The creditor I spoke with stated that I owe {$18000.00}. Which is inaccurate. On my credit report it states I owe {$20000.00} which is also Inaccurate. On my credit report it shows that I have made consistent payments from XX/XX/XXXX to XX/XX/XXXX. If I have made consistent on time payments for 12 months in the amount of {$430.00} a month. How is it that I still owe {$20000.00} which is exactly what I borrowed? The FCRA states ; " EVERYTHING SHOULD BE ACCURATE ON YOUR CREDIT REPORT ACROSS ALL 3 CREDIT BUREAUS OR THE ACCOUNT MUST BE DELETED IMMEDIATLY. '' XX/XX/XXXX I was laid off of my job due to covid-19 and I missed XXXX payment. I did express this to the creditor " Lending Club ''. Lending Club informed me that they did not have any forbearance options at that time. Due to THE CARES ACT On XX/XX/XXXX, the United States congress passed the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX or 120 days after the national emergency concerning COVID19 ends. 

The disputes attach below were sent to all 3 credit bureaus and the creditor 'LENDING CLUB ''.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the way my identity theft complaints have been handled by your bureau. This matter involves not only the theft of my personal data but also reflects a concerning lack of responsiveness and care from your bureau in addressing my situation. 
I have submitted all required documentation, including the XXXX  report filed with the XXXX XXXX XXXX to establish my innocence and highlight the criminal actions involved. Despite the severity of the issue and its significant impact on my life, the response from your bureau has been alarmingly inadequate. Communication about the status of my disputes has been sparse, and the replies I have received have been generic and unhelpful. This neglect has left me feeling ignored and unsupported by the institution I trusted to safeguard my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation. Please thoroughly review the evidence provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that measures be implemented to prevent such incidents in the future, as it is evident that my personal information has been mishandled. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

I reported the identity theft to TRUIST which sent me the billing statement