23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Summary : I believe the advertised offer terms on the website did not represent the terms the company actually booked me under. I suspect that the company had recently changed its policy but had not yet updated its marketing to reflect that ( since the marketing was updated to XXXX points several days later ), effectively falsely advertising what its offer was to me and other consumers. 

Details : I applied for a Wyndham Rewards XXXX card ( which operates through Barclays US ) due to an advertisement on its website that stipulated that {$2000.00} of spend within a certain timeframe would be rewarded with XXXX points. I met the terms of this offer but was only automatically rewarded XXXX points. The first time I called the company about this ( on XX/XX/2024 ), they noted their error and said I'd get the remaining XXXX points in the next XXXX business days. When I called again on XX/XX/2024 noting the additional points had not been given, the company said they had no record of the XX/XX/2024 resolution and said my contract only stipulated XXXX points, not XXXX, so I would not be given any additional points. I've asked the company to do an investigation ( which they are conducting ), but XXXX ) it was indicated that it's highly likely I will not be given the XXXX remaining points and XXXX ) the company will not finish the investigation for XXXX billing cycles ( months ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I identified errors that do not align with my financial history. These inaccuracies have caused undue harm to my creditworthiness, and I believe they stem from negligent noncompliance with your duties under the FCRA. 

Specifically, collection agencies LVNV Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX are inaccurate for the following reasons : he debt does not belong to me or has been paid in full also missing documentation from the furnisher of the information, incomplete investigation, etc. 
Pursuant to 5 U.S. Code 1681o, you are liable for damages caused by negligent noncompliance if the errors in my credit report result from your failure to take reasonable steps to ensure the accuracy of the information provided. I believe this applies to my case because no information has been furnished to me proving the accuracy of reporting follwing request.

To resolve this matter, I am requesting the following : That you conduct a full investigation into the disputed items, as required under the FCRA. 
That you correct or remove the inaccurate information from my credit report. 
That you provide me with a written confirmation of the results of your investigation and any corrections made.
Product: Credit card

I have a Citibank XXXX cash card and there was a merchant offer of 10 % back on XXXX car rental. This offer was enrolled before XX/XX/2024 and had an expiration date of XX/XX/XXXX ( screenshot shows expiration and associated card last XXXX ). The transaction was made with XXXX car rental for {$110.00} on XX/XX/2024 ( screenshot shows transaction on last XXXX of card on top ) and as per the offer terms, the cashback was supposed to credit within XXXX weeks. As of XX/XX/XXXX, the cashback has not been credited and I have made at least XXXX different communication with Citi and most agents are not aware of merchant offers or can see the past offers. After an escalation was made, Citi sent a snail mail telling they do not have record of this offer and to send front and back copy of the offer. This proves the agent handling this " escalation '' did not even understand the concern. Merchant offers are in-app digital offers and do not have a XXXX XXXX so the question of sending front and back is irrelevant. After following up with a supervisor on chat after this they said that Citi reserves the right to refuse eligibility when they deem so there is nothing they will do. After exhausting all options and spending hours with Citi, I have no option but to officially log a complaint.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward
Product: Mortgage

I paid off my mortgage two months ago. I have not received confirmation in the form of official documentation from the servicer. Several phone calls and email to the servicer revealed that no one seems to know what/if I am to receive anything.
Product: Consumer Loan

Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?
Product: Money transfer, virtual currency, or money service

Block inc has inadequate customer service which has unfair practices, which violates the consumer financial protection act specifically Cash app failed to take timely and effective measure to prevent fraud on their platform leaving my account vulnerable and unprotected. Their dispute and resolution process was unfair and deceptive as they did not comply with error and resolution requirement under the electronic funds transfer act and regulation E. These action have caused serve inconvenience and financial loss and I see appropriate redress for these violation.
Product: Debt collection

Im unaware of this debt and didnt have an opportunity to dispute this information. If you believe you gave me proper notice please send me the certified receipt with my signature stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} TRANSUNION : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my IdentityTheft report.

INQUIRES ( 17 ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN ; XXXX XX/XX/XXXX EXPERIAN 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 XXXXXX/XX/XXXX PLEASE REMOVE DELETE FROM CREDIT REPORT. 
This information is true to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX CT XXXX, XXXX ; XXXX XXXX HM XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; TXXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I paid my bill in XXXX payment of {$600.00} on XX/XX/2021, and {$150.00} on XX/XX/2021 and XX/XX/2021 {$300.00} and XXXX XXXX payment of {$220.00} and a final payment of {$46.00} on XXXX XXXX and in XXXX they charged me a finance charge on a XXXX balance and then told me that it was a legitimate charge and that I had to pay it, I didn't pay it so they charged me another fee of {$4.00}. So I paid it on the XXXX due date to close the account, well they proceeded to charge me another late fee of {$2.00} and when I told I paid the account on time, they told me that I would have to pay this charge because I have to pay XXXX bills on time consecutively. I have read their fine print of charges on the back of my statement and there is nothing that states that I have to pay XXXX payments consecutively or that they will charge me more interest fees. I have spoke with them and they said they would remove the charge and I have checked the account and they have not removed the charge. This card has been closed since XXXX.
Product: Credit reporting or other personal consumer reports

Capital one Bank USA Na- charge-off. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl theses accounts are still on my credit and needs to be removed I have asked them to take this off my credit because it is affecting my credit and I have had creditors ask them and there has been no change some of this is fraud and it needs to be removed ( XXXX Wards, Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX these XXXX all fraud I dont know any thing about these creditors ) I did not authorize any of these creditors
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX and then voluntarily withdrew it. The bankruptcy court did not DISCHARGE IT OR DISMISS IT. I VOLUNTARILY WITHDREW IT.I disputed with all three reporting bureaus and XXXX and XXXX took it off my credit report. Equifax refuses to and says that the information they have is correct.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record.

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.
Product: Consumer Loan

I had a XXXX done and my dentist said I could put it on CareCredit and they would give me 12 months to pay it off interest free. I am a XXXX and I had our XXXX accountant make payments to care credit each month and we paid the whole amount within eleven months. Toward the end of my 12-month period I started receiving bills from Synchrony Bank that said I owed them over {$700.00}. I tried all of their phone numbers and could not get through. Finally, they called me and I said I had no idea what these charges were for. I told them what I had done and they said they would look into it. I told them to cancel my account but they still keep sending me statements and bills. Now I have received a registered letter that they intend to put this into collection. I looked them up on the internet and found that they were charged in 2013 for deceptive advertisement and were paying out over XXXX in settlement. I am contacting a lawyer and I could sure use some help from you in taking care of this problem. Thank you
Product: Credit card

Unable to transfer rewards points to partners ( airlines, hotels ) on Capital One website as advertised. Attempts lead to error message and direction to call customer service, which confirms issue has been ongoing for multiple months. No expected resolution date provided. The ability to transfer rewards to specific partners was the main reason I even considered opening this credit card. 

Error message reads : " Looks like we don't have the necessary contact info to complete a security step. Give us a call and we'll get you back on track '' Checking my profile, there is no information missing. Phone, email, address, etc. are all entered correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter with respect to off base and obscure things on my credit report right up 'til the present time more than 60 days after the fact I have not gotten a reaction at this point. I feel like I am being exploited and being disregarded of my debates. Area 611(a), it is clearly expressed that an inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report it has been more than 60 days so they ought to be erased expeditiously. I request these records be erased promptly or I will petition for prosecution because of the pressure you caused me. My data was additionally affected by the Equifax break and may have under the control of some unacceptable individual. Attached also is a copy of the FCRA and FDCPA with highlighted violations, proof that I was a victim of the Equifax Data Breach, Police Report, Copy of my credit burea report showing that Equifax and XXXX  has already reconized that XXXX XXXX XXXX account is not my account and have already removed it. According to the FDCPA  807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: A person's credit report is suppose to match across the board a copy of my credit reports and the FDCPA book have been attached as evidence of this violation. 

Last but no least there is also a copy of my FTC REPORT and Police Report . 

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the equfax data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to Fair Collections and Outsource and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by Fair Collections and Outsource from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.