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

I never asked Experian, XXXX or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for this credit card to receive {$200.00} cash back after spending {$500.00} in the first XXXX XXXX. They did not send me a billing statement at the end of the XXXX. This is a brand new card or I would know when it was due to be paid. ( in addition, I was out of commission a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I really didn't notice how much time went by since I first used the card ) I only found out when I went to use it and my purchase was declined. 
I immediately, after completing my purchase with another card, called the number on the back of the credit card. I believe this was XX/XX/XXXX. It was an automated number and after finally getting it to transfer me to a live person I was disconnected. Not once, but XXXX times I tried to speak to someone. Next, I tried the social media way of getting their attention. They responded and said to message them. I did and they said they forwarded my complaint to the appropriate department. I have XXXX confidence in that promise and it has been a XXXX already with no word. I did find out they sent the bill to my email account. I do not have a working computer, my wi-fi is abysmal, and I rarely even look at my email anyway. Especially if I seemingly have no reason to. So, now the payment is late. I refuse to pay a late fee because they can't be bothered spending XXXX cents on a stamp, also, I want my {$200.00} sign on bonus. I have approximately an XXXX XXXX XXXX and I am extremely concerned this company is going to destroy it. When this is resolved you can be assured this card will be cut up and never be doing business with them again. I have plenty of other credit cards to use that don't give me such problems and no debt. I mean, who doesn't mail you a bill? Especially a card solicited to a senior age group. I can't help but think this is a banking scam. Thank you in advance for your help in resolving this problem.
Product: Payday loan, title loan, personal loan, or advance loan

I had a payment of {$72.00} due on XX/XX/2024. I made a payment of {$150.00} that was processed by the company on XX/XX/2024, but the company is claiming that my account is past due. I tried to talk with the to find out what was happening and the agents refused to discuss my account unless I verified my social security number. I offered to provide various other options to verify my identity and they refused. The only way I could discuss my account was to give my social security number.
Product: Credit card or prepaid card

I purchased items for our business when the pandemic started. The items were not delivered in the time frame they said. I canceled order. Months later the items arrived. 

- The items that were delivered did NOT match the description of items that we ordered. - The photos on the product page were completely different than the products we received We tried to contact company, phone number not working, I emailed them and they answered my email with a response that had nothing to do with my problem. 

We tried contacting them several more times via email and telephone. Each time were were denied a response I then called American Express. 

American Express assured me that I was in the right and they would take care of it. 

I wanted to send back the faulty items but they said not to worry because the company wasn't responding to american express, and again, I was in the right. 

We then received a letter from American Express stating that we were being re-billed for the items because they found the merchant to be in the right. 

How? we asked American Express again. The representative stated it was a mistake and asked us to send more information including photos of the product. We did as American Express asked. 

American Express placed the charge on hold and said we were not responsible for the charge until the matter is resolved. We were assured that our claim was absolutely legitimate and to rest assured that American Express would take care of the matter About two weeks later we received another letter form American Express stating, ponce again, that the charge has been re-billed to our account. 

After almost a year and about a dozen calls to American Express we are no closer to resolving the issue. 

American Express continues to disregard all of our information and simply denies our claim. 

We are continually told by American Express representatives " I don't understand what happened ... let 's try this again ... you are absolutely in the right ... I'm not sure why this is happening ... I'll make sure this gets to the right person ... I'll make sure this gets resolved ... '' ( I'd like to hear the playback of the conversation that they have recorded " for quality assurance '' ) However, nothing gets resolved. 

I don't know what the terms and conditions are of the agreement between American Express and their merchants, but, as a cardholder who is protected against such fraudulent practices, I insist my consumer rights be upheld and respected.
Product: Credit card

I obtained my credit report and there is a capital one account on my credit report that do not belong to me. I contacted capital one to inform them that I never applied for a capital one card and request that they provide proof or removed the account from my credit file and they never provided any proof and there after they turned the account over to a collection company by the name of XXXX XXXX acct # XXXX that is now showing as a collection company on my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1XXXX 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. 


Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # 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: Checking or savings account

Ally Bank held almost {$13000.00} of my money from a check deposit but never made the funds available to me for almost a month. 

I had to deposit a check that was made out to me and my partner, however we do not have a joint account. Ally Bank advised that we just needed to mail them the check with both of our signatures and a copy of my partner 's driver 's license, which we did on the 2nd week of XXXX. 

Called the bank the following two weeks with no update on the status of the check. On XX/XX/XXXX, I then asked the company who issued the check to just stop payment and wire me the funds. They informed me that Ally had already taken the money from the check on XX/XX/XXXX, which they did not inform me about, and Ally had not deposited the money to my account- and they never did. 

When I called to ask Ally, no one had an explanation on why they took the funds but did not apply it to my account. They then sent me a bank check for the amount which I tried to deposit to my account. They rejected it because they can not deposit Ally checks to Ally accounts (??? ). 

I have now closed my accounts with them, however, a month after this all happened, I can not stop thinking that this was an egregious lack of competence and should be investigated. 

They held my money- which was not an insignificant amount- for almost a month. They made it seem like they had not received my check yet but they had already taken the $ XXXX. They did not give me timely updates and repeatedly gave me bad, sometimes even conflicting, information. I do not understand at all how its legal for them to get the funds, hold it, but not transfer it to my account- effectively making it impossible for me to access it at all. It felt like my funds were being held hostage.

I am reporting this so that other customers do not have to experience this ineptitude and very shady business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} 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 XXXXXX/XX/XXXX
Product: Credit card

Requested XXXX either refund or replace dryer on XX/XX/1923 due to noise I assume came from when dryer dropped during delivery. Navy FCU refusing to do credit. Navy FCU sent a generic email with no explanation as to why claim was denied after sending them evidence. They've also since discarded claim info from the website. As can see XXXX 's rep is clearly trying to play games and gaslight the situation.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$84000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request the credit report agency to investigate the false collection. They reported back to me stating that it's accurate. I did thorough research, and this account is inaccurate. 
Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX Original Amount Owed {$590.00} XXXX XXXX XXXX or XXXX XXXX In accordance with the fair credit report act XXXXXXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.

I attached the response from Equifax credit report agency ; regarding the investigations I requested from them.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

I am writing to file a formal complaint against Synergetic Communications regarding their unfair reporting practices to the credit bureaus, specifically concerning a debt that was previously in dispute with XXXX XXXX XXXX. 

In XX/XX/XXXX, I received communication from XXXX XXXX XXXX  regarding a debt purportedly from XXXX, which I had no record of. Given that the statute of limitations on legal action for collection had already expired, I found it concerning to receive such communication for the first time without any prior notice of the debt over 3 years. Over the following six months, I diligently disputed the debt with XXXX XXXX XXXX, requesting proof of the debt as per my rights under the Fair Debt Collection Practices Act. Despite my repeated requests, XXXX XXXX XXXX failed to provide any evidence substantiating the existence of the debt. 

Finally, in XX/XX/XXXX, XXXX, one of the major credit bureaus, removed the disputed debt from my credit file after recognizing the lack of evidence provided by XXXX XXXX XXXX. However, to my dismay, in XXXX of XXXX, I received notice that Synergetic Communications had reported the same debt to the credit bureaus without any prior communication or affording me the opportunity to dispute the debt with them directly. 

This blatant disregard for due process and failure to adhere to fair reporting practices by Synergetic Communications is deeply concerning. Their actions not only undermine consumer rights but also perpetuate a cycle of financial distress and unjust damage to credit scores. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Synergetic Communications for their deceptive and unfair reporting practices. Consumers deserve transparency and accountability from companies entrusted with handling sensitive financial information. 

Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in rectifying this unjust situation.
Product: Credit card

I applied for the JP Morgan Chase Southwest Airlines Premier Credit Card on XXXX/XXXX/16 in order to earn the advertised XXXX points if you apply for the card. I applied for this card solely based on me getting the XXXX points since Southwest 's website clearly stipulates " earn XXXX after you spend {$2000.00} on purchase in the first 3 months. '' After spending over {$3500.00} and not seeing my earned XXXX points, I contacted Southwest ( " SW '' ) and they referred me to JP Morgan Chase since Chase are in charge of the rapid reward points. I contacted Chase on XXXX/XXXX/16 and spoke with XXXX XXXX who told me that I had gotten a different promotion and there never a promotion about earning XXXX points. I referred him to at that point directly to SW 's website to which he saw that this promotion was indeded being advised. Upon realizing there was in fact a promotion verifying what I said was true, XXXX immediately switched by stating that I did not qualify for the earned XXXX points since I booked a flight but got the {$200.00} credit instead. I told him that that was nothing on the SW 's website that indicated that I would forfeit the XXXX credit or there should be transparency in advertising for this card. He said in order for me to get the {$50000.00} points, I would have to pay them {$200.00}. After stating that I would dispute the {$200.00} fee, he told me that he was unable to give me the XXXX points and referred me to their Executive Office. On XXXX/XXXX/16, I faxed a letter to XXXX XXXX as well as the Executive Office explaining my plight. I was contacted on XXXX by a XXXX XXXX who stated that she would have to charge me the {$200.00} and that this is not the first time this has happened and apologized to me. XXXX went on to state that they have been working with SW marketing team to correct this misunderstanding. I told her the fact that so many consumers are calling regarding this, Chase has done this intentionally to defraud consumers in thinking that after ranking up over {$2000.00} they would earn XXXX points. What Chase is doing is false marketing and fraudulent to say the least to get consumers to apply for this card and have them charging over {$2000.00} within XXXX months thinking that they will earn XXXX points and then give them a different promotion and then turn around and charge them {$200.00} fee in order to get these points. I told her that that I will contact the Federal Reserve Consumer Help for assistance in Chase false advertisement regarding their Chase Southwest Premier XXXX Card. I will also reach out to 60 Minutes to do an investigation on Chase as well as contact my congressman to file a Congressional Complaint on my behalf to STOP JP Morgan Chase from defrauding the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a checking account overdraft line on my checking account at Calif Bank and Trust I have credit score of XXXX, last month it was XXXX, they denied my application for excessive financial obligations in relation to income. 
Might I also add personal, and business obligations are separate. As the business we own is incorporated, too many times we are asked to use personal social security number to identify instead of EIN. Please investigate and advise.
Product: Debt collection

I have medical collection my credit that are not mine. I have not authorized it.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. 

I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, CreditAcpt I am writing to bring attention to some violations of consumer law that I have become aware of. Specifically, I am referring to improper reporting of debt, reaging accounts, incorrect report dates, incorrect open dates, incorrect payment status, incorrect last active dates, and incorrect last payment dates. Each of these violations presents potential harm to consumers and their financial credibility, and they must be addressed swiftly. I mean this company is reporting 120 or 180 days late since XX/XX/2020?!?! 

I would like to direct your attention to the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must exercise reasonable care when reporting information to credit bureaus, must maintain reasonable procedures for maximum possible accuracy, and must not report obsolete information. Furthermore, the Truth in Lending Act ( TILA ) seeks to promote the informed use of consumer credit by requiring disclosure of credit terms and limitations on certain credit agreements. This is relevant, as the improper reporting of debt and other inaccuracies could lead to a false understanding of the terms on which a consumer may receive credit. Given the potential consequence of these issues, I urge the Consumer Financial Protection Bureau to take action and hold credit agencies accountable so that these violations can be appropriately addressed and consumers can be adequately protected from harm.