23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While flying on Frontier Airlines the flight attendants shared a promotional offer for Frontier Airlines XXXX XXXX. I received a brochure with the inflight promotional code. On XX/XX/23 I went to applyfrontiercard.com, this website is something different. Its a fake site. So, I went to XXXX Frontier website to apply for the credit card. The application did not ask for any promotional code. I applied for the credit card and was approved. The promotional offer was different than what I thought I was signing up for. I contacted customer service immediately via their messaging platform on XX/XX/23. On XX/XX/23 I called customer service twice at XXXX and XXXX, informing them about the faulty web address and requesting that they change the promotional offer. I spoke with three representatives that werent able to add/change the promotional offer despite sharing the scenario and providing them with the inflight promotional code. The promotional offer associated with my account is earn XXXX bonus miles after spending {$1000.00} within the first 90 days. 

I would like for the promotional offer that I signed up for to be honored which is earn XXXX bonus miles with first purchase within the first 90 days of account opening and earn XXXX additional bonus miles as a first time applicant when a valid inflight application is submitted. 

In addition the fraudulent web address needs to be investigated.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and fraud activities. While having my accounts linked to XXXX XXXX XXXX. Many charges occurred from my accounts that I have asked XXXX, Equifax and XXXX to block and delete from my credit report. I currently have typed a letter going out tomorrow the XXXX or the XXXX of XX/XX/year> and I am explaining to the credit bureaus my dilemma that has gone unheard without the necessary documentation.
Product: Bank account or service

Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.

Address : Please be sure that my address is listed correctly.

My address should read : XXXX XXXX XXXX, XXXX, Ga, XXXX Employer : XXXXXXXX XXXX 

Phone Number : XXXX Social Security Number : XXXX P

lease remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card. Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  a servicer for us department of education, completely screwed up and gutted and destroyed my credit reports. you have illegally and unethically said i was delinquent when i was not, refused to invetigate the issue, ignored a sitting US senators inquiry, XXXX  up my credit report and lied about it for 7 years, stated an account was transferred not paid and closed, and refuse to respond to my inquires or correct the matter.you have destroyed a XXXX veterans credit and made him homeless again. you have lied and put false inaccurate information on all 3 credit reports. you have cuased me so much pain suffering and XXXX XXXX i intend to sue XXXX  for everything you are worth. i have rrepoirted you to the education inspector generals office for fraud waste and abuse of me as a veteran. I have a new congressional inquiry in with two US senators ofices and you will be hearing from them in this matter. ALL MY ACCOUNTS SHOULD READ PAID CLOSED ON TIME FOR LAST 7 YEARS AS I AM PERMANENTLY AND TOTALLY XXXX AS OF XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX three ACH transactions were presented against my checking account : $ XXXX $ XXXX {$5.00}. Normally, and as long as I have banked with Chase since XXXX, ACH transactions show on the account as processing on the day they are presented. In the even I dont have enough funds in the account, Chase sends me an email notifying me of the negative balance and I make a deposit to address the issue. This time, however, for the first time is over 5 years, those ACH transactions never showed on the account as pending. I checked my account around XXXX XXXX on XXXX/XXXX/XXXX and my balance was {$8.00} and change. On the morning of XXXX/XXXX/XXXX I receive an email stating that those 3 transactions had posted the previous days and that I had been assessed 3 {$34.00} NSF fees. I called XXXX and after being verbally mistreated by two supervisors, I was refunded 1 fee. Another one was refunded via XXXX. 

My problem here is the way Chase processed the ACH transaction. Electronic transaction normally show on the account the day they are presented, and its been like that for the last 5 years. Only paper checks show on the account the next business day. CHASE shields itself behind the consumer agreement, but the reality is that this a occurred due to a glitch in their system. Granted, I did not have the funds on the account, but if those transactions would have been processed the way ACH transactions are normally processed, than I would have had an opportunity to make a deposit before XXXX XXXX et to cover them. All I want is chance to refund that 3rd NSF fee they assessed in bad faith and to be clear as to how ACH transactions are processed. I intend to to take this issue to court if I have to.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked with Experian my XXXX XXXX day randomly had XXXX on it with an XXXX $ XXXX balance on it. 
Ive been trying to get Experian to remove it and every time XXXX sends me a letter in the mail with no number on the back and an Account number missing like XXXX digits. 
Ive put in a Police report and Filed with Attorney General I believe this was done by an old associate of mine at XXXX XXXX XXXX XXXX in XXXX, PA. 
I noticed this charge on my Credit around XXXX of 2023. And been non stop on disputing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a 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.

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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Capital one offers me a refer a friend program that pays {$100.00} per person that gets accepted. For some reason my link is not working correctly bc every person I refer, I have to fight and argue about my credit. Capital one has denied my last request for the friend I referred XX/XX/XXXX. Yet my friend received his credit on his 2nd statement. Why is it my fault that my link isnt working? Every capital one manager has been rude or not helpful at all. Ive been a customer for 3 years and Im willing to pay this card off and take my business elsewhere.
Product: Credit card or prepaid card

I contacted Citi through their website ( terrible website ). I was told they do not have any customer service in the United States ; I could barely understand this person, he couldn't speak English. He refused or couldn't communicate with me regarding the interest rate that Citi is charging me nor transfer me to anyone that could help me. I called Citi by phone, the person that answered the phone could not speak English. The interest rate that Citi is charging me is XXXX. Citi -and a few others banks-owns the federal government and stole {$25.00} XXXX, excuse me it's called Covid, Citi 's rapacious interest rate on my account is egregious.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Student loan

To Whom It May Concern, Before attending XXXX XXXX  XXXX XXXX XXXX I was deceived by a recruiter that advertised at my high school and told me false information on graduation rates, job placements, and the type of education I would receive while attending. XXXX XXXXXXXX XXXX XXXX XXXX XXXX advertisement also backed these claims of school misconduct. I also attended an open house at XXXX XXXX XXXXXXXX XXXX XXXXXXXX where false information was told about the graduation rate and job placements. 


While attending XXXX XXXX  XXXX XXXX XXXX ( XXXX ) I was misinformed about the job placement rate students acquired after graduating. My advisor kept steering me to take out certain loans with high interest. I was unaware at the time of the arrangement XXXX XXXX XXXX XXXX XXXXXXXX had with Navient to finance my education through dept that I would be unable to repay. 


After graduating there was a recession. I found out my student credits could not be transferred or recognized by any other school. My loan servicer ( Sallie Mae now Navient ) kept steering me into forbearance for both my private and federal loans. For my private loans they did not offer me income repayment program instead charged me high interest only. During the Pandemic I had to file bankruptcy due to losing my job. I was unable to pay my private loans for a number of months. I suffered hardship and this cause emotional distress. 


My school, XXXX XXXX XXXXXXXX XXXX XXXXXXXX has since closed down and was the target of state and federal investigations into its high-pressure sales tactics, low quality programs and poor student outcomes. XXXX XXXXXXXX XXXX XXXX XXXX had since been sued. And I read the accreditation bureau that serviced my school has been stripped of its status ( XXXX ). Navient has given relief to its borrowers due to the lawsuit brought by the Attorney Generals, but I have not received a letter of discharge. I believe my loans should have been included in the lawsuit against Navient brought by the Attorney generals. I took out my loans in XXXX, went to a for profit school, education was subpar, missed consecutive payments and was steered into forbearance. I believe the Holder rule applies to my loans. 


I applied for the Borrowers Defense of my federal loans and received a discharge on my federal loans. But, I have not received notification regarding my private loans. I would like to obtain a discharge application for my Private Loans. Thank you for answering my email. 



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

Incorrect information about bankruptcy which is dismissed not discharged.
Product: Student loan

All of my student loans are paid off, and I keep getting calls from a company called Navient to consolidate my student loans. I have opted out of thier calls, I have talked to a customer service person and I still get these calls. I consider this to be harressment as my phone number is on the do not call list and I dont have any financial transaction with this company. thier web site is navient.com
Product: Credit card

XXXX XXXX offer me a credit card when I purchased a laptop from XXXX XXXX store. Its been already one and half month, they have not sent me the credit card yet. They did not give me any account information and I am unable to access my account. As there is no online access I am unable to pay the monthly installment and my credit score is getting affected. Whenever I called the customer care they keep sating that i am supposed to get the credit card within a week but no action has been taken from their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

I am filling against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to the account being inaccurate. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

Pen Fed offered a promotion for {$150.00} if you accepted paperless statements.

The offer is below.

I tried to get them to honor, but wasn't able to. 

XXXX XXXX Last chance to celebrate the season with an extra {$150.00} when you sign up for monthly recurring electronic payments on your credit card account and enroll in paperless statements.

HOW TO QUALIFY Log into your PenFed Online account and follow these two easy steps : 1. Set up Monthly Auto Pay Select " Make Payment '', set your payment preferences, then update " Frequency '' to " Monthly Auto Pay ''.

2. Enroll in paperless statements Select " Delivery Preferences '' under " Statements & Documents '' and update your credit card statement delivery to " Electronic ''. 

Your {$150.00} statement credit will appear on your XX/XX/XXXX statement. 

Dont wait! This exclusive member offer is only good until XX/XX/XXXX! 


Download the PenFed App Get it on XXXX XXXX  Download on the App Store Follow PenFed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as web page DISCLOSURES 1. No purchase necessary. In order to receive the {$150.00} credit to your statement, you must complete both requirements during the promotional period ending XX/XX/XXXX for your account ending in XXXX : ( 1 ) sign up for automatic payments and ( 2 ) enroll in paperless statements. If earned, the statement credit will be applied to your account within two billing cycles of the offer end date. In order to qualify, your account must remain open, be in good standing, and not become delinquent. Statement credit can not be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is non-transferrable. Limit one statement credit per cardholder. Offer ends XX/XX/XXXX. 

Questions or comments? Contact us. 

This email has been sent to : XXXX. To change your email address, please log on at PenFed.org. This will ensure your official records are updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXX SERVICES on XXXX XXXX 2. AMERICAN EXPRESS on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 Inquiries on my Equifax credit report that are due to Identity Theft. 
I did not authorize these Inquiries and I do not recognize these Inquiries. 

XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX