23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After paying annual fees for many years to Diners Club - run by BMO XXXX - I attempted to redeem points for miles. I completed my transaction only to receive an email receipt stating the transaction would take 2-6 weeks to complete. I needed the transaction immediately. I called the company within an hour of the transaction and they said they could not refund the points to my account, even though the transaction had just taken place and even though they did not disclose anywhere on the purchase pages that they time frame would take 2-6 weeks. I went through XXXX levels of customer service people for over an hour and all they would offer me was my annual fee back. I am not out XXXX miles - the equivalent of {$750.00}.
Product: Debt collection

A company called JH Portfolio is wrongly reporting a collection account on my credit file with all three national credit bureaus. XX/XX/XXXX a company named XXXX was incessantly calling me about collecting an alleged debt. I told them to contact me by mail. On XXXX XXXX, XXXX they sent me a letter claiming that JH Portfolio has hired them to collect money from me and that they were offering me 70 % discount on {$2300.00} I owe JH Portfolio debt Equities. So they were asking me to send them {$690.00}. I responded to XXXX letter asking them to validate their claim, which they never did. But to my surprise and without any notice, on XX/XX/XXXX JH Portfolio reported a collection account for {$2300.00} with remarks saying '' account placed for collection '' in XXXX/XXXX/XXXX and " Date updated '', XXXX/XXXX/XXXX. 
These remarks are strange since JH Portfolio Debt Equity appeared on my credit reports for the first time on XXXX/XXXX/XXXX and I am not sure who placed a collection account with them. JH Portfolio Debt Equities did not sent me a notice for {$2300.00} debt before inserting negative information on my credit file. On XXXX XXXX, XXXX I addressed them a letter asking for debt validation. Until now I have not heard from them but on XX/XX/XXXX they inserted new remarks on my credit reports saying '' account information disputed by consumer, meets FCRA requirements ''. How can account information meet FCRA requirements when they inserted negative information without prior notice to me and are refusing to respond to my request for validation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my Equifax consumer FILE via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. Attached is my proper identification and error message. I demand a response from you within 15 days upon receipt of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, XXXX and Transunion about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90 - 120 days past due on the DEPTEDXXXX and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed inquiries that I am not familiar with.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable Reinvestigation of disputed Information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) Has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes accepting unreliable Reponses, and failing to adequately notify consumer of dispute outcomes These failures align with my experience where Experian has neither corrected nor remove disputed item despite the evidence I provided causing ongoing harm to my credit standing.Im requesting Immediate Corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written dispute to TransUnion dated XX/XX/2022 about a collection account ( XXXX, opened XXXX, XXXX, XXXX  ) that is on my consumer report. In the dispute I demanded the verifiable proof that they had on file for the account which is required according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion responded with a letter stating that they can't process my dispute because it appeared it did not come from me, even though I sent in documents to verify my identity ( driver license and utility bill for proof of address ), and I also had a return address which was my home address, the exact same address that is currently reporting on my consumer profile. Transunion failed to not only file my dispute but failed to validate the account.
Product: Money transfer, virtual currency, or money service

My Western union online account is compromised or hacked by someone and add their account as beneficiary and transferred money of USD XXXX on XX/XX/2022 Thursday at XXXX. XXXX - XXXX. I called Western union immediately after receiving my email ( with in 20 mins ) and they mentioned they can not stop the transaction and it is already completed. They provided case number XXXX and asked me to reach out to my bank to claim my insurance or file police complaint. The main reason for this fraud activity is Western union is not secure their system properly and not providing customer safety by Multi factor authentication. Even though Western union knows the details of receiver bank in XXXX, They didn't act on this fraud responsibly.
Product: Vehicle loan or lease

XX/XX/25 COMPLAINT FOR VIOLATION OF CONSUMER RIGHTS XXXX XXXX, Plaintiff, vs.

Wells Fargo Bank, Defendant.

INTRODUCTION 1. This is a civil action for violations of federal and state consumer protection laws, specifically citing the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692 and related statutes.

PARTIES 2. Plaintiff XXXX XXXX is an individual residing in Florida 3. Defendant Wells Fargo Bank is a financial institution with its principal place of business located at [ Wells Fargo Address ].

JURISDICTION AND VENUE 4. Jurisdiction is proper in this court pursuant to [ specify jurisdiction laws ] as the events giving rise to this complaint occurred in this jurisdiction.

5. Venue is also proper in this court because the Defendant conducts business in this jurisdiction and the events in question occurred here. 

FACTUAL ALLEGATIONS 6. On XX/XX/25, Defendant engaged in actions to repossess Plaintiffs vehicle without proper notice.

7. Plaintiff did not receive any written notification, email, or communication regarding the repossession, violating the requirements set forth in the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

8. On said date, representatives of the Defendant unlawfully entered Plaintiff 's property to repossess the vehicle, which contained Plaintiffs personal property including a wallet, identification, and all available funds.

9. Plaintiff has video evidence documenting the repossession, showing two individuals taking the vehicle from Plaintiff 's residence without consent.

10. Defendant shared Plaintiff 's personal information with the repo agents without obtaining written consent, violating the consumers rights as mandated by consumer protection laws.

CLAIMS FOR RELIEF First Claim for Relief : Violation of 15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act ) 11. Plaintiff realleges and incorporates by reference all preceding paragraphs.

12. Defendant 's failure to provide notice for repossession constitutes a violation of the Fair Debt Collection Practices Act.

Second Claim for Relief : Violation of Privacy Rights 13. Plaintiff realleges and incorporates by reference all preceding paragraphs.

14. Defendants unauthorized sharing of personal information with repo agents constitutes a violation of Plaintiff 's privacy rights and applicable state and federal laws.

PRAYER FOR RELIEF WHEREFORE, Plaintiff prays for judgment against the Defendant as follows : 1. Compensatory damages for emotional distress, financial loss, and other damages suffered as a result of the Defendants unlawful actions.

2. Punitive damages for the willful and malicious conduct of the Defendant.

3. Attorneys fees and costs incurred in this action.

4. Any other relief the Court deems just and proper. 

DATED : XX/XX/25 Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Bankruptcy case #  XXXX   XXXX   XXXX  All the above cases are being reported on my credit report. the listed source of the information is listed as   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon speaking with them I was told that they do not verify anything with the credit bureau.They also sent me a letter which I have attached as well. After several attempts to dispute these items I was told by the credit bureau that these items were verified.
Product: Credit card or prepaid card

At the present time I have several credit card accounts with Synchrony Bank. I have NEVER been late on any payment. 
I am however close to my limit on all cards, however I am attempting to reduce my outstanding balances while restricting my usage as much as possible. In the last few months they have closed my Chevron-Texaco card which had a XXXX balance and no usage in over a year, my XXXX XXXX XXXX credit card which had again no balance and no activity in over a year. They have reduced my credit line on my XXXX Visa Card, My Synchrony Home Card, and my Synchrony MasterCard. 
The end result is that my total available credit has been drastically reduced. That occurrence has increased my usage of available credit which in turn has caused my credit score to plummet. This has caused me extreme mental stress as I am waiting for the " other shoe to drop ''. They claim that 'serious delinquency, and 'high credit usage ' are two determining factors. I am not the only person to which this is happening. If one XXXX " Synchrony Bank Complaints '' several websites can be found with complaints similar to mine. If they continue this practice, my credit score will only decrease further and the damage will never be repairable. I did have an issue with XXXX XXXX which has been resolved and am currently working on a problem with XXXX XXXX XXXX. I am also seeking legal counsel simply because I do not know what will happen next.
Product: Credit reporting or other personal consumer reports

Frequently, if not monthly, I have to call the Credit Bureaus, incl. XXXX and TransUnion to request they update my credit score and/or data. 

Although, I am paying my bills on time and maintaining my credit utilization, and am mindful of other positive impacts, unfortunately, for the last 4 months XXXX and TransUnion have not updated my FICO credit score. 

This is causing me emotional distress, and potentially a financial hardship, because I am trying to secure financing for a car and would have to pay a higher interest if my credit scores are not reflecting changes. I do not own a car and am having to walk or pay for XXXX. Since I am laid off and medically ill, it would help me to secure financing to buy a small affordable car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina, XXXX ( XXXX ) XXXX XX/XX/2022 Subject : REQUEST TO REMOVE THE FRAUDULENT ENRY I am writing to dispute a fraudulent items on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of Identity Theft. I am writing to dispute a fraudulent items ) on my credit report. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. Thus, I am requesting that the fraudulent items ) be removed from my credit report immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : 1. Proof of my identity ( Notary Acknowledgement ) ; 2. A fraudulent item ( s ) list ; 3. A copy of my Identity Theft Report supporting my position ; 4. A copy of section 605B of the Fair Credit Reporting Act ( " FCRA '' ), which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ; 5. A copy of section 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA, which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing.30 days window so as to avoid any FCRA violation. Please investigate this matter and remove the fraudulent entry immediately. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tx XXXX I am disputing this claim due to : I Have no Knowledge of these Bank Account 's. They are Fraudelent and I am requesting that it be removed immediately. I have recently found out that my information was involved in a data leak. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Credit card or prepaid card

I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.
Product: Credit reporting or other personal consumer reports

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. As a first step, I would appreciate it if you could provide me with details. information pertaining to the alleged accounts, including any associated. transactions, applications, or account activities. It is crucial that I review this. information to assist in the investigation and help identify any fraudulent activity that may have taken place. Furthermore, I kindly request that you suspend all activity and remove the related. alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. the steps being taken to address this issue. Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. confident that you will manage this matter with the utmost attention it deserves. Should you require any further documentation or information from me, please do not. hesitate to contact me at the phone number or email address provided above. Thank you for your immediate attention to this matter. I eagerly await your response. and a resolution to this concerning issue. XXXX XXXX  did a inquiry on XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Debt collection

A debt of XXXX was added to my account XXXX XXXX by Transworld Systems XXXX That I have no knowledge of, I contacted the company to verify and no one got back to me. I looked through my dispute history and realized that this is the same account I disputed back in XXXX that was removed and now they have added it back under a different company! Sent no letter of debt or anything! I tried to dispute this account 4 times already and each time I got denied. 

A second debt of {$690.00} from XXXX XXXX They are calling me at XXXX, calling me all day even after I answered and told them that it is not my debt and could be a result of identity theft since my social and id was lost/stolen. I have disputed this debt numerous times. And when it goes away, they find a way to pay it back! Ive sent numerous comments and complaints. They wont budge.
Product: Checking or savings account

On XX/XX/ 2022 I opened both a checking and savings account with citibank as part of a promotional bonus program for credit card holders ( emails of both programs attached ). I met the terms of the promotion ( more than {$30000.00} on deposit since XX/XX/XXXX ) but have not received the bonus for my savings account. I called in early XXXX and was told that the amounts of my promotions would be present in my account on XX/XX/XXXX and XXXX respectively, confirming with the agent at this time ( on a recorded call ) that there were bonuses of {$700.00} for the checking and {$300.00} for the savings due to me. I spoke with customer service again on XX/XX/XXXX, provided the promotional code, and was told that the {$700.00} bonus was the only bonus due to me. Not correct. The dispute refernce number is XXXX. I had previously called around XXXX XXXX, 2022 to confirm that I was properly enrolled in both programs as I had only received an email confirming my enrollment in XXXX of the programs. I was told ( on a recorded line at that time ) that I was enrolled in both programs.
Product: Credit card

XX/XX/XXXX I had XXXX credit cards accounts open with XXXX XXXX XXXX now know as XXXX XXXX. 

Cc # XXXX Milestone - after XXXX XXXX and XXXX XXXX refused to help to close the account. XXXX XXXX made payment arrangement to close account at {$280.00} with waived interest charges and a late fee. 

Cc # XXXX Indigo - After XXXX XXXX and XXXX XXXX denied me to close account but transferred me to Mgr. XXXX made payment arrangements to close account {$130.00} waived fees and interest. 

XXXX their policy I informed both CCs regarding why no confirmation was received for payment arrangements and the inaccurate statements received. ONLY received closed account letters. My consumer rights were violated when stating I wanted to record as well to XXXX XXXX, XXXX XXXX acted as if she didnt hear me ) transferred to XXXX. XXXX who threaten me XXXX for stating I was recording for my protection and he ended the call! 

XX/XX/XXXX - XXXX their policy I informed of the inaccurate statements.I was afraid to state I would like to record and Mgr. XXXX confirmed payment arrangements and will resend out letters for stating arrangements for closed accounts. 

XXXX XXXX only received closed account letters and no confirmation of payment arrangements. XXXX XXXX stated no notations on accounts. Transfer to XXXX XXXX XXXX XXXX to initiate proof of arrangements dispute investigation. I was told the discrepancy policy was for active accounts only. But I reiterated XXXX receiving statements and not the payment arrangement confirmations letters as promised. She said, She will request a statement from XX/XX/XXXX. When I made arrangements and closed accounts. I Never received anything! 

XXXX XXXX XXXX XXXX no notations or payment arrangements on accounts. Transferred to XXXX XXXX who threatened that the call will be listened to from XX/XX/XXXX regarding payment arrangements. XXXX Received a voicemail to call her back l few days after call. 

XX/XX/XXXX I returned the call and XXXX XXXX stated no other Notation from Supervisor XXXX but Accounts will be taken care less then 30 days which XXXX XXXX explain what it means and will request a call back from that supervisor. I was put on hold for another XXXX for XXXX but call ended. 

As of today XX/XX/XXXX No response from XXXX XXXX as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to XXXX, Equifax, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from XXXX, XXXX, or Equifax on these matters.