23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For the last 3 weeks, I am trying to redeem my {$200.00} rewards Their website says " Redeem Reward Dollars Important : To request a direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' I submitted my first request on XX/XX/24, I was not provided with any sort of confirmation for my request and to this date my request has not been processed. I have followed up with them a dozen times and every time I am told more exotic excuses and lies by their out sourced call center in XXXX. Even those guys seem a bit helpless because even they say that they fill out a request on customer 's request and then it goes into a black hole. 
When you request for a supervisor, they simply hang up on you and then block your number. I once got hold of a XXXX and even he was clueless and could not provide any answers.
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. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : 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: Debt collection

I've diligently followed proper procedures in disputing these accounts, contacting the bank, law enforcement, and filing a report and affidavit, with the latter being deemed valid. XXXX and XXXX have adhered to legal requirements by removing the accounts, yet Experian inexplicably questions my compliance. Aware of the leniency courts display toward banks and credit reporting agencies, pursuing a lawsuit seems futile. Despite six complaints filed over six months, Experian consistently dismisses the validity of submitted documents. Urgently, I implore the Consumer Financial Protection Bureau ( CFPB ) to scrutinize this case, highlighting a potential failure on Experian 's part to fulfill legal requirements in processing the identity theft report, duly filed with the federal law enforcement agency, Identitytheft.gov. The emotional and physical distress caused by the ongoing repercussions of identity theft, compounded by restricted credit access, has profoundly impacted both my professional and personal life, leaving me with no apparent recourse and a sense of despair. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}.
Product: Mortgage

I became the POA for all medical and financial matters due to my XXXXyear old mother 's XXXX  XXXX XXXX diagnosis. 

My mother has a checking account, credit cards, and a HELOC with Key Bank. In XXXX, I brought my POA paperwork to her Key Branch and was told that their Legal department would review the documentation. I was only given access to her checking account. 

Nevertheless, when I sold her home in XXXX and sent the payoff and POA documents, with the request to close the HELOC documentation, I was never informed the HELOC was not closed. My mother and sister went to a branch near her XXXX XXXX XXXX and was told the HELOC was not closed and that they needed to pay an additional fee to close the HELOC. In XXXX, she signed the documents presented at the branch and paid the fee. We have never received the documents indicating the HELOC is closed. 

When she applied for a credit card she was denied due to an open HELOC last week. That is how we found out Key Bank has still not completed this required step. 

Now she is being charged a service fee on her checking account that she has never had to pay. Why is Key Bank treating elderly customer this way?
Product: Checking or savings account

On XX/XX/18 I reported a fraudulent transaction made on my debit card in the amount of {$150.00}. A fraud report was made case # XXXX and I was told to destroy my card because it was blocked and could not be used and I did. 

On XX/XX/18 I received an email stating that a purchase was just made at a XXXX XXXX with my 5th 3rd debut card. I called 5th 3rd and the fraud department me informed me that my debit card had not been blocked and they could not see why it was not blocked in their system. If the card would have been blocked as they told me it was yesterday then I would not be dealing with another fraud incident. This situation is placing stress on me and my family as we have bills scheduled to draft and groceries to purchase which I can not do so now. 
I spoke with Supervisor XXXX ( XXXX ).
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a XXXX XXXX. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.
Product: Credit reporting

I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
Product: Credit card or prepaid card

I applied for and received a Citi credit card in XXXX XXXX. I never activated this card, never used said card, and cut card in pieces. Today I received XXXX bill for. {$95.00} annual fee charge. I called Citi customer service and stated I wanted to close this account. I also asked that since I never activated or used said card, that the {$95.00} fee be dropped. I was told the fee can not be cancelled. I feel this is a total ripoff.
Product: Credit card or prepaid card

I called this company called avant. 
Avant customer service is HORRIBLE! 
One thing they cant assist me because they dont speak XXXX? Ok first of all how I am supposed to communicate with them. I translated this through XXXX translate to write this review. I only speak XXXX. So they refuse to help me. They are HORRIBLE people. And on top of that they hung up on my daughter as she tried to assist me. 
How can a agency not provide the appropriate help when calling. What kind of credit card is this. Please never ever get this card. I never actually received card in mail its been 3 weeks no resolution no help now what. I will not pay no annual fee for what a dare that was NOT received
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

XXXX RE : UNKOWN AMOUNT : {$1100.00} ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN : WITH THIS LETTER I HEREBY REQUEST THAT YOU CEASE AND DESIST ANY AND ALL TELEPHONES CALLS, AND ATTEMPS OF COLLECTIONS, PLEASE PUT ANY ATTEMPS TO COLLECT ON THE ABOVE REFERENCED ACCOUNT IN WRITING. 
YOU ARE HEREBY INSTRUCTED TO CEASE ALL COLLECTION EFFORTS IMMEDIATELY OR FACE LEGAL SANCTIONS UNDER THE FEDERAL FAIR DEBT COLLECTIONS PRACTICES XXXX XXXX XXXXXXXX XXXX AND XXXX, WHICH IS INCORPORATED AND MADE APPLICABLE TO CREDITORS LIKE YOUR COMPANY BY THE XXXX COLLECTION PRACTICES ACTXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE MARK YOUR FILES ACCORDINGLY. 
THANK YOU IN ADVANCE FOR YOUR ANTICIPATED COOPERATION IN THIS MATTER. 
XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Product: Debt collection

THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly PORTFOLIO RECOVERY ASSOCIATES  ACCOUNT NUMBER XXXX PORTFOLIO RECOVERY ASSOCIATES ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint to request your assistance with an issue I am experiencing with LexisNexis. I recently disputed a bankruptcy entry on my LexisNexis credit file because it is inaccurately reported. Despite providing documentation confirming that the bankruptcy court does not report this information to credit bureaus, LexisNexis has refused to remove it from my file. 

On XX/XX/year>, I sent a written dispute to LexisNexis requesting the removal of a bankruptcy from my credit file. I included confirmation from the UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX WISCONSIN stating that the court does not report bankruptcy filings to any credit reporting agencies, including LexisNexis. I clearly outlined that the reporting of this bankruptcy is inaccurate and unverifiable. 

However, despite their obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and verify disputed information, LexisNexis has not removed the bankruptcy from my file. They also failed to provide any documentation or proof that this information was valid or properly sourced. 

This bankruptcy is damaging to my credit profile and does not belong on my report. Under the FCRA, LexisNexis must ensure the maximum possible accuracy of information in my credit file. If they can not verify the accuracy of the bankruptcy through a reliable sourcesuch as the bankruptcy court itselfthey are required to delete it.

Their failure to take action violates my rights as a consumer and undermines the accuracy of my credit report.

Resolution I Am Seeking I am ask
ing for the CFPBs assistance in addressing this issue. Specifically, I request : A thorough investigation into my dispute and LexisNexiss failure to properly verify the bankruptcy entry.

Immediate removal of the bankruptcy entry from my LexisNexis file unless LexisNexis can provide valid, court-certified documentation that verifies its accuracy.

Written confirmation from LexisNexis once the investigation is complete and the inaccurate information has been removed. 

Why This Matters The presence of this bankruptcy on my LexisNexis report is harming my ability to maintain an accurate credit profile. Reporting agencies must comply with the law and ensure that unverifiable information is promptly removed. I believe this matter requires immediate attention to prevent further damage to my financial reputation. 

I

have attached a copy of my original dispute letter, supporting documentation from the bankruptcy court, and my LexisNexis report showing the inaccurate bankruptcy entry. I trust the CFPB will take the necessary steps to ensure LexisNexis complies with the FCRA. Thank you for your attention to this matter. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit card

I was approved for a credit card from XXXX XXXX that offers a XXXX % cash back reward. " I held a card for several months. '' I have used it to renovate my home and I have eard a lot of money in the process through rewards. Approximately {$4000.00} in rewards all of a sudden. I receive an email from them. My account got closed because they said I was using it for business but that's not true. I contacted XXXX to inquire about my status and cashback rewards but they informed me that I will not be receiving them because my account is now closed. " I want the money I earned back because I think they are scamming me. ''
Product: Debt collection

I received a letter from Dynamic Recovery Solutions stating that owed {$3000.00} to XXXX XXXX XXXX XXXX XXXX and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or XXXX XXXX Services. I wrote a letter to Dynamic Recovery Solutions disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
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  Account Number:XXXXXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several inaccuracies on my reports that are detailed in the letter attached
Product: Credit reporting or other personal consumer reports

BY 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 Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, and XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX HAS VIOLATED MY RIGHTS.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX