23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a XXXX business credit card for my business a few months ago. The promotional material stated that if I achieved the spend requirement that I would be given a reward of {$500.00} balance statement credit. This balance statement credit was never rewarded to me. On contacting American Express I was told that since I had opened another simply cash business credit card for a different business in the last 12 months I did not qualify for a reward credit. Nowhere in the promotional material did it state this and when I asked American express to confirm this, they also stated that this was not stated anywhere on the promotional material. They come up with an excuse that this disclosure is made on the online application. I do not remember seeing any such disclosure on the online application. When asked to present proof of online disclosure they provided none. I have the promotional material with me and the promotional material is basically also a paper application. So does this mean that people who mail in their application do not receive such a disclosure? Because American express clearly stated that the disclosure is not on the paper application/promotional material, which I still retain a copy of!!! There it is in black and white, the application does not contain any such disclosure, I challenge American express to find it and show me where it is!! If any attorney is reading this please contact me, I think we have an airtight case against American Express using misleading or false advertising. I also lost {$200.00} in credit card fees trying to achieve the spend requirement so that I would qualify for the {$500.00} bonus!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information and spoke to managers @ XXXX  and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my Equifax credit report. 
Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. 

These inquiries are damaging to my credit score and financial well-being. These inquiries are : XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 I request that these inquiries be investigated and removed from my credit report as soon as possible. 

I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. 

I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX, Equifax and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. I then went back to XXXX, XXXX and Equifax on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Product: Checking or savings account

TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. 

On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. 

I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX  in XX/XX/year>. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am requesting that you remove the disputed fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent accounts off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX Balance {$540.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX {$450.00}. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft within the time allowed by law, please do so.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
XXXX 15 U.S.C. 1681 Section 602 A, states I h the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

XXXX  15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the etc.
Product: Debt collection

I have new and updated information. NAVY FEDERAL is frivolously and deliberately marking my complaint as a duplicate when it is not. This complaint is against NAVY FEDERAL and the threat they communicated to me via mail. NAVY FEDERAL is neglecting to respond because NAVY FEDERAL is in fault. 
I consumer XXXX XXXX have been communicating with NAVY FEDERAL via mail regarding the alleged debt. NAVY FEDERAL have failed to honor my demands in my cease and desist. NAVY FEDERAL have failed to send me, the consumer, a letter for me to validate this alleged debt. Yet, NAVY FEDERAL is still attempting to collect on this alleged debt. NAVY FEDERAL have failed to rebut my affidavit of truth with an affidavit. NAVY FEDERAL has failed to remedy this issue by honoring my Notice of Default and opportunity to cure. However, NAVY FEDERAL continues to harass me and ruin my reputation with the Consumer Reporting Agencies with the abusive debt collection practices act. Despite my numerous attempts to resolve this and demand they cease their illegal reporting. Now NAVY FEDERAL is attempting to harass, coerce and collect an alleged debt by extortionate means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

Account XXXX My father leased a XXXX XXXX 2014 from Chase Auto Finance. I have received at least XXXX collection calls started off explaining they were calling with the intent to collect a debt. I explained to them more than once that I am not my father, and they do not have the right to attempt to collect from me. They have called multiple times.. 

In addition to attempting to collect from ME, they are also refusing to validate the debt to my father. My father has requested countless time to see proof of an extra {$3600.00} in repairs that Chase Auto Finance is claiming they paid. Chase is refusing to send proof that they paid this price for the repair. The damages to the vehicle were nowhere near {$3600.00}. My father has requested a copy of the invoices paid by Chase adding up to {$3600.00}. They have repeatedly told my father they have no obligation to validate the debt properly, and instead, are deciding to send a bill issued by Chase in response to all attempts to have proof of repair costs delivered. No proof of {$3600.00} in damages have been shown. 

My father has requested a written letter with a due date on it, showing when the payments are due by. Chase Auto Finance told my father " XX/XX/XXXX '' " XX/XX/XXXX '' and " XX/XX/XXXX '' all on the same day. Nobody at Chase is being held accountable. We are attempting to work WITH chase to come to a fair resolution. I believe Chase has falsified the damage report and associated costs, and they're intimidating us by refusing to give us a date to pay by or allow us to make payment arrangements. 

I plan to sue Chase Auto Finance on behalf of my father in the event that proof of damages are not shown, or the excessive damages reduced by XXXX {$800.00}. Chase is engaging in unfair debt collection practices.
Product: Mortgage

I am writing to file a formal complaint with Ocwen regarding incorrect and misleading information I was given by Ocwens employee XXXX ( rep ID XXXX ) regarding Ocwens Federally Declared Disaster ( FDD ) area assistance program. 
I am requesting that Ocwen fully research the call I had with XXXX ( rep ID XXXX ) who said she was working from XXXX, Iowa, on XXXX XXXX, 2017 around XXXX XXXX EST. XXXX is the agent who suggested the disaster area assistance program to me. XXXX said there would be no costs for participating in the disaster area assistance program and that there would be no adverse credit reporting would occur during the FDD program period. She never mentioned that the FDD program was a forbearance program and that it would be reported to the credit reporting bureaus as such. So, either XXXX was misinformed, gave me misleading information, or Ocwen acted inappropriately by reporting late payments during the FDD program period. In either case, I acted upon the information provided by XXXX and hence, Ocwen. I have suffered damages as a result. My credit rating has been hurt by falling over 12 points since the FDD program began. I have even been denied credit as a result of a negative credit experience reported by another creditor which can only be attributed to Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time reaching out I am Requesting these accounts to be removed from my report I am a single mom and I want my report to be correct. 
I do not give permission for these accounts to be on my credit report. Please Delete/ remove it from my report. 

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX not XXXX XXXX told me to contact you guys after rerouting me 4 times. 
Im to purchase a home soon and this, along with other inquires are negatively impacting my credit XXXX XXXX XXXX XXXX XX/XX/year> Hard Inquiry Incorrect Information This company did not input the co-signers information in the initial hard inquiry, told me not to worry about it. Upon getting the report back, they noticed that it was only for 1 person. They then ran the credit two more times without advising that there would be 2 more inquiries, I was under the impression that it would only be one. 
Im looking to remove these two immediate along with the second auto loan inquiry below. 

Capital One XXXX XX/XX/year> XXXX XXXX XXXX This was the second inquiry made instantaneously on the following day. 
Looking to remove immediately. 

XXXXXXXX XXXX XXXX XX/XX/year> Glitch in system This inquiry was made accidentally upon reviewing the terms and conditions of the Already Approved Credit card. The approval was initially for XXXX XXXX XXXX but when I was reviewing the terms, the page auto loaded and was now in the XXXX XXXX XXXX section, which got finalized and I didnt never got to authorize anything. 
Looking to remove this as well immediately.
Product: Debt collection

XXXX XXXX is supposed to be some sort of a collection agency or whatnot that asked for money from me however, I've spoken with counsel and asked for them to verify the debt as per the new Credit Laws based on Comprehensive Credit Act of 2020. None of the steps were validated and confirmed and I do not believe that the debt belongs to me. Every time I reach out and ask for assistance, that's when they never provide me what the law states. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TranUnion regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681i. 

On XX/XX/2023, I submitted a dispute regarding misinformation on my credit file with TransUnion. The results of their reinvestigation were communicated to me on XX/XX/2023. However, I am concerned that the agency has not provided adequate documentation of the procedures and evidence used during the reinvestigation, as required by U.S. Code 1681i.

The response I received lists a generic course of action, stating, " After a review of your dispute and any provided documentation, we took one or more of the following actions : '' and lists four possible actions they could have taken. One of these actions includes the statement, " determined that the data furnished has previously verified the reported information. If any of the items you disputed were previously verified, a separate communication was sent to you listing those items along with the data furnishes contact information. '' I wish to note that I have not received any separate correspondence regarding the verification of disputed items.

While these are generic options, the response lacks specific details about the actions taken in my case, which is crucial for a thorough understanding of the reinvestigation process. Relying on previously verified information without providing specific details about the verification process raises concerns about the accuracy and thoroughness of the reinvestigation, potentially violating the FCRA and U.S. Code 1681i.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with the FCRA.

Enclosed, please find copies of the relevant documents, including my original dispute, the response ( s ) from Transunion, and any other supporting evidence. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX have updated my consumer report and deleted inaccurate information experian has not delete any inaccurate such address as I requested on my consumer report I have updated them with the correct address according to law 15 U.S.C 1681 all report suppose to be correct and accurate
Product: Debt collection

I work for a franchise. I received an message from a franchise with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.
Product: Debt collection

CAINE & WEINER ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I recently notified Equifax that I am victim of identity theft. I have only one address. and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any other address listed on my credit report I have no access or association with
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from JPMCB Card Services dated XX/XX/year> in XXXX, I do not recognize this inquiry since I requested my first debit card on XX/XX/XXXX, therefore I do not recognize this inquiry, so I think it could be identity theft or attempted scam or maybe just an error on the part of XXXX I have contacted the bank and the bureau credit and nothing happens