23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I signed up with American Express for a Gold Credit card. I was told that a welcome bonus on XXXX will be given with the card after spending {$2000.00} in the first two months. It's been more than a month and I have already spent close to {$3000.00}. I received the Points as promised but I am not able to use the points. They say there is a hold on spending the points for 6 months without giving a clear reason for the same.
Product: Debt collection

I received a voicemail message, Attention this is XXXX XXXX with the process service department calling to notify the _________ at two times be made to issue certified legal documents to ___name_____ if you have any questions or need to make any changes to the time or the location of this delivery you need to contact the legal firm handling your case phone number is XXXX. When calling in please reference your case number XXXX If you dont contact the legal firm it will result in legal proceedings to take place without your knowledge and or participation When I called the number the person who answered said, XXXX XXXX. Then transferred me to a man who said I was XXXX, stupid, irresponsible, laughed multiple times audibly, refused to tell me what company he worked for or his name, gave me an account number that he said was for a debt with Bank of America, read my social security number to me, gave me an amount of just under {$4000.00} and told me to call Bank of America to verify and then call him back to pay the debt. I called Bank of America and they can find no such account. If they had found it, wouldnt I just need to pay them? 

He had my name, my wifes name and my accurate social security number.
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is not trueI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

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
Product: Debt collection

So I sent a letter on XX/XX/2021. Here is my tracking number XXXX to remove personal information that I don't want on my credit report. According to the Fair credit act report act 15 USC 1681.I have the right to privacy. Also According to the USC 6802. No financial institution is not suppose to share my information to the third party people. These are violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE report and this is not filed by a 3rd Party. 

I just reviewed my credit report and there are some Hard Inquiries that I don't recognize. The Hard Inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services at XXXX XXXX XXXX XXXX, MA XXXX was contacted for the third today on XXXX XXXX about a debt ( For XXXX XXXX XXXX XXXX ) that was paid in full on XX/XX/2021. I spoke with a collection agent explaining that the account with Collection service was paid in full and that XXXX is still showing a past due amount that was paid to collection services in full. I proceeded to explain that XXXX supervisor stated that XXXX needed Transmission Report and Account number fax to a number a XXXX claims department to resolve bill. Collection agent proceeded to state that her supervisor will email something to XXXX which was failed prior to being contacted today two other times. I ask for the collection agent to let me speak with her supervisor XXXX so I can explain the whole situation over again which I was told that something will be email to XXXX and I stated to XXXX that matters had yet to be resolved because this is my third time calling. I am being give the run around and I would like matters to resolved in a quickly matters cause as of right now XXXX have me with a passed due amount of {$490.00} that was paid in full to Credit Collection Services. I should have to stress about paying something that was taking care of. I would like someone to contact me at XXXX cell # is XXXX and may name is XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was settled with XXXX XXXX yet Credit Collection Service is reporting the account as adverse and that there is a balance owed. 

Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please 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 ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report I would like the below inquiries deleted as I did not authorize these companies to obtain a copy of my credit report. The following inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA requires that all information be accurate and verifiable.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX which they are inadvertently harassing me by placing this frivolous debt on my credit report. The account was then taken before a district court and was eventually dismissed for lack of activity as the company XXXX could not prove that they have a right to open any account in my name. I did not authorize nor have benefit of any account being opened by this company or their affiliates. XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). This information sitting on my credit report is false and misleading and causing me direct harm.
Product: Credit reporting or other personal consumer reports

Transunion removed account : XXXX XXXX XXXX ) from my credit report after illegally reporting this account on my credit profile. This prohibited me from obtaining any new lines of credit, and prevented me from obtaining employment.
Product: Credit card

My account fully paid {$41.00} closed, brought forward a balance of XXXX cents; offered to pay it to stop sending statements .Now asking added late fee & interest charges on XXXX cents amounting {$45.00} appr, that is an outrageous rate & extortion.Not a business.

Account was closed because oil change {$25.00} off promotion was not given either by. Store or by credit card. That was first purchase on card.
Product: Debt collection

I am not liable for this debt with QXXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$69.00}
Product: Credit reporting or other personal consumer reports

Heres the text extracted from the image : I am filing a complaint against Equifax 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. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. 

Accounts subject to dispute {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.
Product: Credit reporting or other personal consumer reports

Transunion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear TRANSUNION, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within 4 business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft Report : Filed with the Federal Trade Commission ( FTC ). 
Proof of Identity : Copy of my government-issued ID and Social Security card .

Proof of Address : [ bank statement. ] To comply with Section 605B, I have provided the following required documentation : I demand that these accounts be blocked and removed from my credit report within 4 business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
Product: Credit card

On XX/XX/year>25 I went to the JCPenney store in XXXX, MN. I didnt go there for several years. When I checked out, the cashier named XXXX asked me if I am a reward member and I said yes and gave her my cell phone number. She looked me up and told me I have a card on file but didnt use it for a long time. Then she said I just had to renew my information. When she went ahead and asked me to put in my SSN on the screen I asked her its not a credit card, right? She said no and showed me her screen and pointed out that she had me on their file. Kept telling me I already have a card with them. She didnt let me read the screen and just told me to hit yes/confirm for everything. The next thing she handed me a piece of paper with a temporary credit card number on it. Also she handed me a brochure in XXXX even we spoke in XXXX the whole time. I was confused because I thought its just a store reward card. I finished the transaction knowing it was too late to cancel anything now. I went to the supervisor and complained, and she just said she will bring it up when the manager is here.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax LLC for failing to investigate and correct inaccurate payment information on two child support accounts, despite multiple disputes. On XX/XX/XXXX, I disputed these inaccuracies, followed by a second dispute on XX/XX/XXXX. However, the errors remain on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is from the Office of the Attorney General ( OAG ) and include XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX. The date last active is also inaccurate. Despite my multiple dispute submissions, Equifax has failed to conduct a reasonable investigation as required by FCRA 1681i and continues to rely solely on creditor-provided information without independently verifying its accuracy. This failure to investigate and correct the errors violates the precedent set in XXXX XXXX XXXX XXXX, which requires credit bureaus to perform reasonable investigations rather than blindly accepting creditor data. Equifax 's actions constitute negligent non-compliance with the FCRA and have caused harm to my credit standing. I respectfully requested the FTC to investigate this matter and ensure Equifax complies with the FCRA. Attached are copies of my dispute letters to both the FTC and Equifax as well as documentation of the incorrect payment histories for reference.
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting the creditors listed below at once, or remove these offending inquiries as soon as possible. Despite my repeated attempts to resolve this issue, I have yet to receive adequate documentation from Equifax regarding the circumstances surrounding the inquiries listed on my consumer file associated with my Social Security Number [ SSN ] : XXXX. Summary of Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX 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 or other personal consumer reports

XX/XX/year> Creditor information FLAGSHIP CRE XXXX XXXX XXXX
Product: Mortgage

We are a family of XXXX. My husband lost 2 jobs due to the pandemic and was told he did not qualify for unemployment because they were per diem jobs. This was a significant loss of income for us, but I still had my income from my job. We thought we would be able to pay all of our bills from my income, but our mortgage payment for XXXX went 30 days past due. We did not and have not since requested any type of payment deferment for our mortgage, and continue to pay on time. Bank of America 's statements sent to us all state " We're here to help. '' We requested Bank of America work with us this one time and give us an accommodation by reporting our mortgage as current. The late reporting for one payment dropped my credit score 70 points. We are a family of XXXX working hard to meet all of our obligations with the loss of 2 jobs during a global pandemic. We have been paying our mortgage and other bills and only asked Bank of America for this one time accommodation due to the pandemic. They denied our request. This drop in credit score is causing financial difficulty for our family. We understand we have a contract with Bank of America and that this is their normal policy, however given the circumstances we believe a one time consideration would not be an unreasonable request during such challenging times.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Escalation of Denial for Business Credit Application Legal Recourse Consideration Application Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX in his private capacity : I am following up regarding my previous correspondence dated XX/XX/XXXX, in which I requested a reconsideration of the denial of my Silver Business Checking Package credit application. I have not received a satisfactory response addressing the legal grounds for your decision, nor have you provided the requested documentation verifying your authority to retract my application. 
Please be advised that under the Equal Credit Opportunity Act ( 15 USC 1691 ) and the Consumer Credit Protection Act ( 15 USC 1601 ), I am entitled to fair and non-discriminatory access to credit. Failure to provide valid and lawful reasoning for this denial, as well as your refusal to extend credit without appropriate justification, may constitute a violation of these federal laws. 
I urge you to immediately reconsider your decision and proceed with opening my business account, as continued refusal without proper legal basis will leave me with no choice but to pursue further actions. These may include, but are not limited to : 1. Filing a formal complaint with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

2. Initiating legal action for potential violations of the Equal Credit Opportunity Act, the Consumer Credit Protection Act, and any applicable anti-discrimination statutes.

3. Seeking remedies for damages caused by this wrongful denial, which is adversely affecting my ability to conduct business and access essential financial services. 
I trust U.S. Bank will act in accordance with federal regulations and provide a fair resolution to this matter by opening my business account promptly. Please confirm your decision within 10 days of receipt of this letter. 
Should this request go unanswered or denied without proper legal justification, I will take appropriate measures to enforce my rights under the law. 

Best regards, XXXX XXXX Without Recourse, All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency.
Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
I checked the site and it indicates that my information was compromised.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the enumerated consumer laws. 

I am submitting the complaint as the consumer without representation. 

I have several occasion contacted Experian in request of cooperation in reinvestigation for proper verification in dispute of unauthorized use of my nonpublic personal information advertised on my consumer profile. 

I demand evidence of proof of reinvestigation by proof of claim of each account, collection and address disputed herein as verification for validation that the alleged debt, address and account is mine, with evidence of written permission to be furnished signed by officer or employee of furnisher certifying alleged accounts for validation to include written certified proof of claim that the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions for any noncompliance.
Product: Checking or savings account

Pnc bank has denied 3 of my disputes I submitted in relation to an authorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for XXXX party transactions. They havent even tried to conductive any research just denies the authorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this.