23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 XXXX, XXXX, and Transunion are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting on my credit profile to collect a debt that is not my debt I have sent several dispute action to Equifax XXXX and XXXX regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX back in XXXX they mailed me a letter to fill out a ftc.gov form affidavit I filled that out I mailed it is still appear that it is showing a closed account That has not been removed as a fraudulent activity on my credit report. On the Equifax and also XXXX, it appears that it was removed as I show documents and then it appears it is show back up on my credit report and I am reporting the inaccurate fraudulent activity that is reporting on my credit report. The account XXXX XXXX does not belong to me. As I have attached documents and mailed out several letters I have tracking receipts and I have mail certified letters sent to the bureaus.
Product: Credit card or prepaid card

I applied for the CapitalOne Business Spark Miles credit card when CapitalOne had the promotion of XXXX  miles after {$4500.00} spend and XXXX  miles after total of {$50000.00} spend within 6 months. However, upon receipt of the credit card and notice of the credit line, i was so baffled to see that they only gave me {$2000.00} credit line. It was impossible for one to spend {$50000.00} within 6 months when there is only a {$2000.00} credit line. i tried my best to complete this as to pay off all purchases immediately as they post so that I can get my credit line back for additional purchases. I think Capitalone purposely gives out next to nothing credit lines just to hinder this process of completing the purchases within the 6 months. I have excellent credit and payment history with over 800 credit score. It's insulting to give me only {$2000.00} credit line, and this is a business account too!! To make it worse, Capitalone starts counting the 6 months way too early. I was given a deadline of XX/XX/XXXX to finish the {$50000.00} task, when the card was actually mailed out in the middle of XXXX. So by the time the card arrived in my hands, Capitalone has robbed me almost half a month to complete this task. To me, this is false advertising. It's bait and switch to say the least. Get a consumer to apply for the card with promised incentives, then lowball the credit line, then don't give the full 6 months to complete the task. If you look at my other credit cards/lines, my credit history, {$2000.00} line is a joke. And if I have the full 6 months from the day I got the card and started spending with it, I would have completed the task. i tried complaining to customer service, escalated to the " rewards case manager '', and came back declining my request to extend my deadline. Our company has always a loyal capitalone customer. We put over {$400000.00} each year on our other Capitalone card. I am very disappointed in Capitalone this time on how they treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

My Discover Card was stolen in XXXX and part of XXXX 's report. Discover refused to acknowledge card was stolen. Currently the Credit Report reflects Discover Card account as term Current / Terms Met or ND ( No data for this period ) for XXXX and XXXX. This is incorrect. I assume this is a game by Discover to keep on my credit report.
Product: Debt collection

I was unemployed and on Medicaid at the time. This ER center said they took Medicaid prior to my arrival. It a simple visit by a doctor, XXXX and prescription 's had written and I was on my way. I was n't there more then 45 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I completed a cfpb dispute against XXXX XXXX as they are misreporting current 120-day delinquencies on my past mortgage from XXXX which is dropping my scores 80+ points. 

XXXX XXXX cfpb response states that the loan was transferred to JP Morgan Chase as of XX/XX/XXXX of XXXX and closed my dispute without fixing the reporting issue. 

JP Morgan Chase is not reporting to my credit report however since XXXX XXXX is saying they manage this account I guess I need to dispute this now through JPMorgan Chase.
Product: Credit card or prepaid card

Received email on XX/XX/2019 & approx XXXX/XXXX/XXXX  for account verification information after an online banking system upgrade, but for a 'non-existent ' active account. A JPMorgan Chase account shows on my credit bureau reports from a  voluntarily closing account decades ago. 



Begin forwarded message : From : " Chase '' XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : Your account security verification is required Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online services. 
XXXX PLEASE DESCRIBE THIS IMAGE ** Dear Chase OnlineSM Customer : We're writing to let you know that limitations has been placed on your account to protect you from unauthorized transactions and identity theft. 

Due to our recent online banking system upgrade, all Chase account whose online banking details are yet to be verified will be terminated. 

Here 's what you should do : Kindly, click Verify Now link to remove limitations on your account.

Go through the Chase identity verification process carefully.

Monitor your card and account for any transactions that you don't recognize. 
Contact companies that automatically charge your card ( cable, cell phone, insurance, etc. ) Here 's what you should know : All of our accounts have XXXX Liability protection1.  That means you're not liable for unauthorized transactions that you promptly report to us. 
We'll continue to monitor your card and account to help identify any unusual activity. If we detect any, we'll notify you. 


Thank you for your business and trust. 

Sincerely, Chase Fraud Department JPMorgan Chase Bank, N.A. Member FDIC 2019 JPMorgan Chase & Co . 

Your personal information is protected by advanced online technology. For more detailed information, view our Online Privacy Policy. To request in writing : Chase Privacy Operations, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

This is a complaint on American Express for deceptive marketing, innaccurate information provided explicitly by customer service, and unfair treatment contradicting information provided by the company. 

I have an American Express Platinum card, which grants me access to their XXXX XXXX. The card comes with a hefty annual fee of {$690.00}. On XX/XX/2022, I reached out to their customer service agents via chat ( screenshots available ), and asked for clarification on their XXXX XXXX access policies. Guests are only allowed to enter within 3 hours of their departing flights, unless they have a layover. I reached out asking if this layover applies to overnight layovers as well, and whether I could access their lounge the night before the morning flight. Amex confirmed that I could, but ultimately, I was denied access because the lounge agent stated the layover needs to be on the same day. This was not explicitly stated on their website OR terms and conditions ( at the time- this has since been updated ), and to make the situation worse, I relied on information explicitly provided by customer service stating the contrary. This led to a terrible experience on my 1-year anniversary trip. 

Here is the chat history, word-for-word : Me - " I see the XXXX rule does not apply to layovers, but is this true for an overnight layover? For example, we're flying to XXXX on Monday night, then from XXXX to XXXX on Tuesday morning. Would we be able to access the XXXX XXXX on Monday night? '' Amex - " As per the terms of the XXXX XXXX - They do admit card members with layovers or connecting flights who produce proof of a connecting flight from the same airport. '' Me : " and that's even if the connecting flight takes off the following morning? '' Amex : " Yes, that's right ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 
I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough.

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it.

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate.

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher.

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my  3rd c omplaint against Equifax, my initial complaint was on  XXXX   XXXX ,    2017 ple ase see attached documentation sent with verification, I called on  XXXX   XXXX ,    2017 a t  XXXX   XXXX  and spoke with a representative regarding a tax lien on my credit report and was told that  the Lien w as removed only to get my report in the mail and it is still appearing on my credit report, I am requesting again that the tax lien be permanently removed from my report, i deputed this same item with  XXXX  and  XXXX  and the item has been removed,
Product: Student loan

I contend that the original loan ( which was {$5000.00}. ) amount has been paid. However the loan was consolidated and interest accumulated. On XX/XX/XXXX the principal balance according to MOHELA was {$22000.00}. I have made payments from that date until XX/XX/XXXX totaling over {$10000.00} but yet the principal balance on XX/XX/XXXX is {$22000.00}. How is that possible? So none of my payments have effected the principal balance in 5 years? How is that fair? Also, during the Coivd19 grace period on MOHELA 's website it states " During this time no interest is accruing and no payment will be due before XX/XX/XXXX ''. I checked my account and interest has accrued in the amount of {$3400.00} for a total payoff amount of {$26000.00}. So if I could payoff my account on or before XX/XX/XXXX that would be the payoff amount? What happen to NO interest accruing during the pandemic grace period? I am not a teacher, nor do I work in the public service sector, nor am I total and permanently disabled. Is there no remedy for other workers trying to pay off their student loan? How can I get the principal balance reduced on my student loan?
Product: Payday loan, title loan, personal loan, or advance loan

They keep harassing me and I didnt even get a loan from them
Product: Debt collection

Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.
Product: Debt collection

Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.
Product: Debt collection

TO WHO MAY CONCERN, To addressed the issues within my complaint, I the consumer remains dissatisfied due to I have sent then a bank certified check to Moneylion XXXX  that I do not owe and believe to be fraudulent activity attached to my name. I do not know who the debt belongs to, but I paid by certified check XXXX. I have not received a bill in this amount or anything verifying a debt, proofs or documents with my signature. I have disputed the debt serval times with Moneylion and still remains on my credit report. I also contacted my bank to ensure the check was not deposited. In the meantime I have stopped payment on that check and reissued another cashier 's check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 I am writing to express my deep concern and frustration regarding multiple apparent violations of important consumer protection laws that have had a significant and distressing impact on my financial well-being and personal life. I am reaching out to your esteemed organization to seek assistance in addressing these violations and enforcing my legal rights. 

The violations in question are related to my interactions with several creditors who have reportedly engaged in practices that may breach consumer protection laws. The following are the specific violations that I have identified : Unauthorized Credit Pulls under FCRA : Instances : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Unauthorized access to my credit report without my authorization, as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ). 
Inaccurate Information on Credit Report under FCRA : Instances : XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX Violation : Inclusion of inaccurate and unverified accounts on my credit report, contrary to FCRA Section 611 ( a ). 
Inaccurate Personal Information on Credit Report under FCRA : Instances : XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Inclusion of incorrect personal information on my credit report, against FCRA Section 607 ( b ). 
These violations have not only caused significant emotional distress but have also had a tangible negative impact on my financial life. The errors on my credit report have led to denied credit applications, increased interest rates, and even hindered my ability to secure housing. As a result, I have faced financial hardships that have strained my ability to provide for myself and my family. 

To provide a personal story that underscores the emotional toll of these violations, imagine a scenario where you've diligently worked towards achieving your dreams, only to find your efforts thwarted by the misinformation on your credit report. This distressing situation has resulted in missed opportunities, sleepless nights, and an overwhelming sense of powerlessness. 

Given the gravity of these violations and the ensuing hardships they have caused, I am kindly requesting the Consumer Financial Protection Bureau to intervene and assist in enforcing my legal rights. I implore you to work towards ensuring that the involved creditors rectify their actions and remove these unverified and erroneous accounts from my credit report. 

Your support in resolving this matter would provide immense relief and a renewed sense of hope for a brighter financial future. I appreciate your attention to this urgent issue and kindly request a timely response to this dispute. 

Thank you for your dedication to protecting consumer rights and fostering fair business practices. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Hello-I would to submit a formal complaint with XXXX, the consumer credit reporting agency. Due to recent identity theft, I have an account with XXXX and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to XXXX, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without XXXX password nor my e-mail password. ( When you log into XXXX, there is a 2 step verification/ authentication where a XXXX digit numeric code is sent to your e-mail from XXXX XXXX but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the XXXX representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXd ) during this time period. 

I had a very similar experience with Equifax, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? Equifax did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank you!
Product: Student loan

Mohela is transitioning to a new service platform and is telling me they can not provide me a payoff letter as my accounts are at a zero balance because of their transition. I am closing on a home equity and to pay these loans off and i can not get the information and this is holding up my home equity loan. They are telling me the process will be about 4-6 weeks. Being a XXXX XXXX- how are they not able to service their loans or provide information to a consumer? i have worked through many integrations in my time as a XXXX, and i think it has to be against some business practice that they can not have access to this information- and im shocked the government is not stepping in to help.
Product: Checking or savings account

I opened an HSBC Premier checking account on XX/XX/2020 under a promotion called " Share the Experience '' whereby I would receive a {$500.00} and my brother ( XXXX XXXX-the referrer ) would receive {$100.00}. This would be done with a referral code provided by my brother. My brother 's code that I used is XXXX. My brother has already received his {$100.00} bonus within the promised timeframe of 8 weeks of my account opening date, however I have not received my bonus as of XX/XX/2020. HSBC has now surpassed their promised timeframe for providing my {$500.00} bonus and I am requesting they remit the bonus to me as promised. I will provide a picture of my brothers referral code and the link to this referral program. 

Link : https : //www.us.hsbc.com/share-the-experience/share-the-experience/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companys being furnished onto my consumer report with my written instructions. I do not have contracts with neither one of them. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality, ( XXXX XXXX XXXX ) XXXX XXXX nor ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4