23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express XXXX card has an airline fee reward reimbursement. I had two charges made on XX/XX/XXXX for {$24.00} and {$40.00} that fit the description to be reimbursed. I was told to wait 6-8 weeks for the reimbursement to be posted. It wasn't. On XX/XX/XXXX, I contacted American express and they told me they manually put the reimbursement in and to wait 5 business days to post. It never posted. I contacted them again on XX/XX/XXXX. They said I need to wait 5 more business days for it to post and to be assured that the agent would make sure it posted. I waited again. Still wasn't posted. I contacted them again today, XX/XX/XXXX. After an hour of time chatting, they assured me it would be posted in 5 more business days. I keep getting told, with assurances, that it will be posted in 5 business days, and it never is.
Product: Prepaid card

Purchased XXXX XXXX XXXX on XX/XX/XXXX from the XXXX  Store located in XXXX, VA. The cards are issued by Incomm Financial ServicesXXXX XXXX XXXX -I gifted the cards on XX/XX/XXXX -One of the cards was tried to be used on XX/XX/XXXX and was told the card was already used. I pulled up the transaction report and the card was used at the XXXX XXXX located in XXXX, VA on XX/XX/XXXX. I know that it was not from the individuals that I purchased the cards from because they do not live in VA.One card filed a fraud claim and has received the replacement card in XX/XX/XXXX, while I am still waiting on the other replacement card. 
-I filed a fraud claim on XX/XX/XXXX at XXXX and spoke with XXXX XXXX XXXX she provided a case # XXXX and explained that it would take 45-90days to process. 
- Sent the siged dispute form to XXXX XX/XX/XXXX at XXXX -I followed with an email to XXXX on XX/XX/XXXX, and received an email on XX/XX/XXXX requesting a copy of the card, the receipt and Case # XXXX and once they receive it will take 10 days for the replacement card. 
-I sent all requested documents on XXXX, XXXX -I emailed on XX/XX/XXXX asking when I will receive the replacement card, no reply -I resent the requested docs on XX/XX/XXXX, no reply -I called XXXX on XX/XX/XXXX, the gentleman told me that they did receive my paperwork and it is in process -I sent an email on XX/XX/XXXX requesting the status, no reply -I sent an email on XX/XX/XXXX requesting the status, no reply
Product: Checking or savings account

My Bank of America debit card received a fraudulent charge of {$200.00} on XX/XX/2020 at XXXX from XXXX WITHDRWL TRAILER # XXXX XXXX LA. I filed a claim on XX/XX/2020 and received a notice that this transaction was " authorized '' and they will be pulling the money from my account on XX/XX/2020. I was not at this location and if requested camera evidence, I would not be there. I have XXXX  receipts of me being over 20 miles away from XXXX XXXX so I could not have physically withdrawn during heavy traffic hours.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Credit Reporting - Account : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report. Despite multiple disputes with the credit bureaus, the inaccurate information remains uncorrected. As such, I am escalating this issue through the Consumer Financial Protection Bureau for immediate and thorough investigation and resolution. 

The account in question is reported as XXXX/XXXX. The details are as follows : Original Creditor : XXXX XXXX XXXX  Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. 

I have enclosed a letter dated XX/XX/2024, from XXXX XXXX XXXX ( XXXX  ), the current owner of the debt. The letter confirms that the account has been closed, collections have ceased, and I have no further obligation regarding this account. They sent this letter after I asked for debt validation. Given this confirmation, the continued reporting of this account as a charge-off by XXXX/XXXX  on my credit report is both inaccurate and misleading. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and complete information. Specifically, 15 U.S. Code 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the disputed information. Furthermore, 15 U.S. Code 1681s-2 prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. 

Given that the debt has been resolved as per the attached correspondence, the continued reporting of this account by XXXX as a potentially negative item violates the FCRA. I request the immediate removal of this inaccurate account from my credit report. 

Enclosures : XXXX XXXX XXXX XXXX dated XX/XX/2024 I expect the credit bureaus to comply with FCRA guidelines and remove this erroneous account from my credit report. Please acknowledge receipt of this letter and inform me of the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Pursuant to the Fair Debt Collection Pract ices Act, 15 USC 1692g Sec. 809 ( b ), XXXX  claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX  provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Product: Debt collection

I received notice via US Mail from : Zions Debt Holdings XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX They state they are acting on behalf of a company : XXXX XXXX Account Number XXXX for services from XX/XX/2021 I have been the victim of numerous data breaches and spent hours and hours of time and energy dealing with multiple similar circumstances. If ZION had merely looked at my credit history they would see I have no history pertaining to that area of the USA. 
They also have no record of me accepting any said services.
Product: Credit reporting or other personal consumer reports

I applied for an XXXX card through Chase Bank. There was a hard inquiry placed on my credit report. Shortly after I received a letter asking me to call a number to confirm that I actually applied for the card. I called the number and confirmed that I did indeed apply for the XXXX card. Weeks went by and I did not receive an approval or a denial notification. I called Chase to inquire about my application. The man took my information and said I would have the card shortly. To my surprise there was another hard inquiry placed on my credit report and a few days later another letter came asking me to verify that I actually applied for the XXXX card! I called Chase yet again and this time the woman told me the application is closed and she could not speak to me on the matter. In the end I never received a card or a denial letter, yet there are two hard inquiries on my credit report. This has affected my score and my ability to get a loan.
Product: Debt collection

I have fraudulent accounts reporting to collections : - XXXX XXXX XXXX - XXXX XXXX I don't know how people are getting my information.
Product: Payday loan, title loan, personal loan, or advance loan

Kick off credit builder Loan is reporting a closed and late payments on my credit report after I have tried repeatedly to contact this company and to inform them of a open identity theft report the company does not respond and is impossible to get a hold of.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX, I and 143 million other Americans have had our most sensitive identifying information, such as SSNs, birth dates, addresses, etc., exposed by a breach of which Equifax knew of and did not notify the public about until several months later. 

To add insult to injury, not only are they refusing to provide customer support services on their website, but the phone number and website I have been attempting to freeze my credit report with can not complete the process. I have attempted to reach the other support numbers they offer to no avail. They are providing zero customer service and have been completely non-responsive.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes. regarding inaccuracies in my credit report despite my submission. Collection companies, on my credit report have fraudulently submitted inaccuracies to my credit report. I have requested They provide the purchase agreements to show full ownership of all collection accounts. along with all other documents proving all collection accounts belong to me. This practice violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by XXXX XXXX XXXX. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. Credit Karma, and XXXX XXXX XXXX, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that
Product: Checking or savings account

<<To : Cathay Banks CEO>> Complaint : My banker, XXXX XXXX XXXX  XXXX engaged in unlawful and unfair business practices, violating Business and Professions Code Section 17200. 

On XX/XX/XXXX, I noticed an advertisement on Cathay Banks window claiming a 2.75 % APY for a 3-year CD. 

I entered the bank and requested XXXX XXXX XXXX XXXX, a banker at Cathay Bank, to update all 18 CD accounts for my family to the promised 2.75 % APY for 3 years. However, XXXX XXXX XXXX  XXXX deceived me by selling fake bank products, promising a 3 % APY for 3 years, with the condition that I had to wait until the XXXX XXXX XXXX in XXXX. 

Trusting her, I patiently waited until the XXXX XXXX XXXX in XXXX, only to discover that the actual rate was 0.5 % APY. Despite my numerous complaints, XXXX XXXX XXXX XXXX continues to deny any responsibility for her actions. I have provided three pieces of evidence and would appreciate your review of the video footage with me. 

Due to XXXX XXXX XXXX XXXX  misleading conduct, my family has lost {$110000.00}. 

I previously sent you a letter regarding this matter, but have not received a response yet. I kindly request your guidance for this issue. 

I request that Cathay Bank compensates my family {$110000.00} for our loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FIGURELEND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit card or prepaid card

I have two accounts with Citibank. Gold account number ends in XXXX. Platinum account number ends in XXXX. I mistakenly sent a {$3300.00} payment intended for the Gold account ( SEE EXHIBIT 1 ) to the Platinum account. The Gold payment was posted to the Platinum account XXXX/XXXX/XXXX. SEE EXHIBIT 2. I called Citibank and was forced to deal with a foreigner who I could barely understand. I explained that I needed {$3300.00} payment REMOVED FROM PLATINUM ACCOUNT and POSTED TO GOLD ACCOUNT. The frustrating foreigner spent a lot of time messing around. But then I noticed that the requested action was taken a few weeks later. Yesterday, I received a letter from Citibank stating that the {$3300.00} payment was being REMOVED FROM THE GOLD ACCOUNT. SEE EXHIBIT 3. I can confirm that the payment has been removed from the Gold account. But now the payment is posted NOWHERE. I 've given them {$3300.00} and the payment is posted nowhere.
Product: Money transfer, virtual currency, or money service

A transaction was performed through Cash app XX/XX/2020 without my authorization for a debit of {$85.00} to an individual for services,. The services were not performed and i requested a refund back through the individual just to have them deny the refund. I reached out to cash app to resolve they did not they advise go to there website. I reached out to my XXXX bank to report it they replaced my card as a resolution. i still have not received a refund and i lost {$85.00}. As a consumer it seems i have no rights and individuals can use a 3rd party like cash app to scam people out of money. I have spoken with a supervisor at XXXX and he simply advised me i am not protected by 3rd party transaction even though its my money. I have been with XXXX for 25 yrs and can not believe there is no protection for there customers from 3rd party scams involving Cash App
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has used my credit improperly. After reviewing my credit, it was reported 2 late payments. One late payment was XX/XX/2022 and the other late payment was XX/XX/2022. In accordance with the Fair Housing Credit Reporting ActXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A, States I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, states consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

USAA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I she two accounts on my report {$540.00} opened on XX/XX/2022 {$570.00} opened on XX/XX/2XXXX  15 u.s.c 1692c
Product: Credit reporting or other personal consumer reports

Paid this balance off completely - It is not reporting accurately ... Has been paid off for a couple months. please remove from my Credit Profile.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

TRANSUNION : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX : Inquiry from XXXX  XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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

This company always lets our homeowners insurance lapse, we have never been late or faulty with our payments. Our payment includes escrow. This is the second time it has happened. When we call them ( the mortgage co ) they blame the insurance company. When I call the insurance company they blame the mortgage company. Nevertheless here we sit in a house without homeowners insurance.
Product: Debt collection

THIS DEBT STAYED ON MY CREDIT REPORT FOR 9+ YEARS!! 
I TOLD THE CREDITS BUREAUS THIS NOT MY DEBT. IT IS A XXXX XXXX XXXX DEBT I KNOW NOTHING OF. IN 2012 OR NEAR, XXXX ATTEMPTED TO COLLECT SAME DEBT. I TOLD THEM THIS IS NOT MY DEBT. I AM XXXX VETERAN AND THIS IS CAUSING ME UNNECESSARY STRESS PLEASE ASSIST. I AM XXXX SORRY FOR CAPS.
Product: Student loan

For the last 6 years I have had late payments reporting on my credit report from Student Loans from ACS/Wells Fargo/US Dept. of Ed. My loans were in deferment because I became very ill and was unable to work. I have disputed it multiple times through the credit bureaus and I get no results. After I received my doctors said I was not going to be able to return to work I filed for XXXX. I also while my student loans were in deferment filed for my student loans to be discharged based on XXXX XXXX. Which was approved! I have XXXX loans reporting that I was late 60 days late 1 time and 90 days late 3 to 5 times?? I was never 30 days late though.