23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called AMEX on XX/XX/2023 to ask about why I am not receiving my everyday spend points along with my sign up bonus offer ( XXXX XXXX XXXX ) and was told that AMEX had a glitch in the system. Rep advised that this should be resolved by XX/XX/XXXX. If not, I should call back. Points are still missing so I call back XXXX XXXX and spoke with 3 different reps ( XXXX, XXXX - supervisor, XXXX - manager ). Each rep gave conflicting information and was told to call back XX/XX/XXXX. I ended up calling again on XX/XX/XXXX and spoke with XXXX. I was told the pending points should be released by XXXX XXXX, or earlier. As of today, 3 statement periods later still no points! I understand having to wait 8-12 weeks for the sign up bonus offer, but that doesn't explain why I'm not getting my everyday spend points. I call again on XXXX XXXX, spoke with XXXX and was told it has not been 12 weeks since I met my minimum spend ( even though I was advised by XXXX to call back on XXXX XXXX because that would be exactly 12 weeks since I met my minimum spend ), and once again, was asked to call back! I asked to be transferred to a supervisor and spoke with XXXX ( floor supervisor ) and apparently there's a delay in AMEX system. She was not able to tell me when this issue would be resolved and told me that the pending points should be deposited into my account on my next statement period which is XXXX XXXX and I should not have to call back. Doesn't seem like that is the case because I have had to call multiple times, explained my issue to 7 different reps at this time, and each rep still giving me conflicting information. I only applied for this card because I was promised an offer and AMEX did not deliver. This is not acceptable. I expect more from AMEX with their reputation & would not recommend AMEX to my friends or family.
Product: Vehicle loan or lease

I have made 4 attempts in the last 6 months to resolve this issue with documents sent as a packet that included a letter of rescission, demand letter, cease/desist with all violations listed and explaining that all charges were not listed and insurance was not included, letter revoking all previous signatures and an affidavit of truth. My Rescission of Car Loan Agreement Were Due to Federal Violations for VIN # XXXX Most recent communication- Usps Tracking # ( XXXX ) XXXX Usps Tracking # ( XXXX ) XXXX All responses from Bridgecrest failing to comply with rescission : usps tracking-XXXX usps tracking-XXXX usps tracking-XXXX XXXX  XXXX XXXX I discovered that Bridgecrest violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. 

Upon further investigation, it has come to my attention that Bridgecrest has failed to comply with several federal laws and regulations, including [ specific violations, such as Consumer Financial Protection Bureau ( CFPB ) rules or the Truth in Lending Act ( TILA ) ]. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. 

Car loan labeled as a Retail installment contract and security agreement which is a credit application.

Violations : 15 USC 1692e misleading representations.

15 USC 1692j - false & deceptive.

15 USC 45 - unfair Methods of competition.

15 USC 1662- illegally mixing credit and cash in a consumer credit transaction.

15 USC 1602 - multiple violations 15 USC 1605 Determination of Finance Charge I have no obligation to a breach of contract due to The Truth and Lending Act. Bridgecrest willfully violated provisions of Truth and lending Act. Bridgecrest is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation. 

Satisfactory Solution : Return of down Payment and title to car
Product: Credit reporting or other personal consumer reports

lam filing a complaint against Equifax XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Product: Credit card

The fact that I have consistently met payment deadlines for this account without any delays makes it unjustifiable for me to face such issues. I kindly ask for the prompt updating of my account to accurately reflect this.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : XXXX, Consumer Date of Birth : ( XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Debt collection

I was notified by XXXX XXXX XX/XX/XXXX that a collection for {$1500.00} had been filed against me by Southwest Recovery Services. 
This was for credit card processing with XXXX XXXX XXXX. 
I was employed by XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for XXXX XXXX years and signed the contract for their service because XXXX XXXX, XXXX was out of town. I retired XX/XX/XXXX. I was never contacted by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid the charge XX/XX/XXXX. They had gone with another company and returned the equipment. This is showing as a collection on my credit report. My insurance company, XXXX XXXX, has increased my car insurance because of this. I have contacted XXXX, XXXX, Southwest Recovery Service, XXXX, and XXXX XXXX XXXX. I can not get anything done to resolve this. The collection should have been against XXXX XXXX XXXX XXXX XXXX XXXX not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Transunion. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. DPT EDXXXX XXXX 2. XXXX- XXXX 3XXXX XXXX XXXX 4 . XXXX XXXX XXXX XXXX 5. XXXX  XXXX- XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) CB Indigo - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received finance for {$1100.00} from myfd Healthcare Finance Direct. Our contract was for $ XXXX direct pay. The lender automatic deduct the monthly payment from my bank. On XX/XX/XXXX, I overpaid Healthcare Finance by {$5.00} / $ XXXX before the length of the loan. They website showed that I paid in full. However, their rep constantly called me day and night and emailed me bills every month stating that I still own them money. I called and explained to avail. they still stated that I own them and keep billing me.
Product: Debt collection

Cavalry Portfolio Services proceeded to place a collection item on my credit report for their client XXXX without ever sending a notice of right to dispute. I contacted them several times to delete the adversely reported item and they refuse to do so. I requested validating information identifying me as the owner of this account and they have not been able to send me anything that indisputably identifies me as owing this debt to XXXX yet outright placed the item for collection on my credit report. I demand the immediate deletion of this adversely reported item on my credit reports.
Product: Credit reporting or other personal consumer reports

Your agency has shamelessly dismissed my complaint multiple times, refusing to correct this blatantly late open account from my file. Despite my numerous written requests, your organization callously ignores my communications. By brazenly flouting the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally mandated timeframe, you have displayed a deliberate and conscious disregard for federal statutes. This stubborn refusal to verify the information, despite exhaustive efforts to resolve the matter directly with the creditor, constitutes a flagrant display of willful negligence and an abhorrent lack of compliance. The account, which I have enumerated below, persistently plague my credit report, intensifying the injustice and distress caused by your agency 's inexcusable behavior. This account is open at XXXX Credit Bureaus but lat closed to Transunion and XXXX which was resulted to tied up account : Please help me correct this account at XXXX and remove at Transunion and XXXX Credit Bureaus. XXXX  XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error :
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out to XXXX, XXXX, and equifax. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX
Product: Debt collection

I wish to remove any inaccurate student loan debt, or debts in my name.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct XXXX XXXXXXXX
Product: Debt collection

Cornerstone Collections in XXXX Alaska ... called and would not give me info, yet wanted my name and I had no idea why they called. Was rude and hostile. Told me after the fact that it was an imaging bill. I am not giving out my insurance info to a stranger.
Product: Mortgage

Subject : Quicken Loans Rep Persistently Avoids Providing Written Loan Estimate This is a formal complaint against XXXX XXXX and Quicken Loans for failure to provide a proper Loan Estimate with in the legally required 3 days from receipt of my personal and loan information. This compliant will be submitted directly to Quicken Loans as well as the Consumer Financial Protections Bureau. 

Below is a summary email trail of The Worst Lending Experience I have ever had in my 15 years of working with mortgage companies to obtain residential purchase loans. 

Friday, XX/XX/2020 Called Quicken Loans to get a rate quote and Loan Estimate. 
I was routed to XXXX XXXX, who advised me that he would have to pull my credit in order to quote rates. 
After XXXX asked me a minimum of a dozen demographic and purchase questions, including my social security number to pull my credit ; XXXX quoted me points and rates on FHA and conventional loan options. 
In response to the verbal quote, I asked XXXX if he could email the estimate. 
XXXX agreed to follow-up with an email ; but seem to hedge on the information Quicken Loans provides without distinction. 
Despite informing me that Quicken was currently pricing mortgages multiple times/day, XXXX waited a day to send an informal email citing points that were higher than what he provided by phone the day before. 
After I replied with an inquiry about the disparity, XXXX acknowledged the points distinction that he failed to disclose in his initial correspondence. 

Friday, XX/XX/2020 After receiving confirmation from multiple sources, that I should have been provided a Loan Estimate, I emailed XXXX to again request a formal Loan Estimate. 
Despite XXXX 's auto reply directing immediate follow-up be redirected to XXXX XXXX, XXXX replied before she could reply to advise that he would follow-up with me on Saturday, XX/XX/2020. 

Saturday, XX/XX/2020 XXXX initially follows-up with an email at XXXX to ask " the property address '' for purchase. 
Despite my replying at XXXX, he waits until XXXX to ask if I'm still " interested in FHA? XXXX After responding to the " FHA '' inquiry within one minute, he waits another 2.5hrs to ask about my " closing date. '' I reply with what is likely to be the earliest possible closing date. 
Note : The fact is there is NOT a closing date yet. It's a new construction home that is still being built. 
XXXX casually replies that " we would not be able to close in 2 weeks. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

Request for Deletion of Accounts Due to XXXX Data Breach I am writing to formally request the blocking and deletion of accounts listed below associated with my personal information due to my status as a victim of the recent XXXX data breach. I understand that under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I have the right to request this action in light of the unauthorized access to my sensitive data. 

Please find my inaccurate accounts to be deleted below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 urge you to take this matter seriously and ensure that all accounts linked to my information are blocked and deleted promptly. I also request confirmation of this action in writing.
Product: Credit card or prepaid card

The XXXXXXXX chase credit card I have advertised XXXX statement credits for early bird check in which have not been honored. 

On XX/XX/XXXX, I made two early bird checkin purchases, {$25.00} each. 

On XXXX, I sent an inquiry regarding statement credit timing. On XXXX, I received a canned response that did not address my issue at all. 

On XX/XX/XXXX, I called the customer service number. I was told that my purchase wasn't eligible based on their records. I told the agent I have the receipt from the purchase, and she said she would put in a request to review further. 

As of now, I have yet to receive any correspondence or credit.
Product: Money transfer, virtual currency, or money service

I requested an official direct transfer of my IRA from SunTrust to my IRA at the credit union. This request clearly indicated transfer to be done on the day of maturity, since it was an IRA CD. SunTrust send a check payable to my IRA with credit union a few days before the maturity. My Credit union received and tried to deposit money to my IRA. However for some reason SunTrust withdrew the money back and my credit union was not able to clear the check from SunTrust. Now I don't know where my IRA money is. It is absolutely unacceptable, particularly with the IRA money. Manager from the SunTrust branch in XXXX, I went to for help, told me to wait for SunTrust to figure out how they will correct their mistake. I called SunTrust customer support several times and did not get any explanation of why the check was not cleared. 
I am very unhappy and don't know what to do next and I need help.
Product: Checking or savings account

Pentagon Federal Credit union took money from my account to pay their credit cards. My accounts not to be touch because the funds in it are for dissabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, XXXX, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by XXXX, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. XXXX   has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from XXXX  showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Product: Money transfer, virtual currency, or money service

PayPal on black Friday XXXX Thursday the XXXX of 2017 hitting XXXX search term t 75inch pop up a company marketing for place called XXXX XXXX after hitting pay realizing this company was I fraud I put in a dispute with PayPal immediately within a few minutes stating wanted cancel transaction error not trusting company. The company never responds with email confirmation or delivery like normal company. PayPal sends letter by email stating unauthorized transaction denied but in email state will help if never receive product. So tried to open case they said not allowed going against email and not honor fourteen on product deliver. At this time no word from seller and PayPal said with never refund money not there problem never received.
Product: Credit reporting or other personal consumer reports

EXACTLY WHY ARE THESE BEING SENT?????? 

I REFUSE TO COMPLY!!!! 

CFPB HAS WAYS FOR US TO ID OURSELVES, THIS IS YOUR WAY OF NOT HANDLING THE DISPUTES BUT CONTINUING TO LIE TO CFPB STATING YOU'VE ADDRESSED IT! 

YOU ARE IN VIOLATION OF THE FCRA LAWS AND I WILL SUE IF THIS DOES NOT STOP! THE FTC AND CFPB ARE ALREADY SUING XXXX XXXX OVER THEIR UNETHICAL LAW BREAKING PRACTICES, IF I HAVE TO I WILL SUE YOU AND CALL ATTENTION TO IT TOO!