23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Sir or Madam, I was solicited by email a XXXX mile bonus miles from XXXX XXXX AAdvantage Program. 
I have attached a scanned pdf copy of the XXXX mile email offer. 

I accepted the offer for XXXX miles and was accepted. My requirement was to make credit card purchases exceeding {$3000.00} in three months which I did. 

On XXXX I paid {$1400.00} On XXXX I paid {$1500.00} On XXXX I was credited - {$7.00} Total purchases {$3000.00} On my XXXX statement, I noticed I did not receive my XXXX miles. 

XXXX at XXXX, I contacted a lady named XXXX. She said it would take 1 to 2 billing cycles for the miles to show. 

XXXX at XXXX, I spoke with XXXX which was unable to resolve the issue and escaladed my issue to a supervisor XXXX at XXXX, I spoke with XXXX who also was not able to resolve the issue and transferred me to a more senior supervisor XXXX at XXXX and spoke with XXXX, and she stated she would escalate the matter higher, and that I would be receiving a telephone call within two or three days. The return call never occurred. 

I clearly was offered XXXX miles, I complied with the offer requirements, and now Citibank N.A is clearly not honoring their offer commitment. 

I have attached the following : 1. Original email offer for XXXX miles 2. My original letter of correspondence to Citibank dated XX/XX/2019 3. The first page of my last three months of Citibank statements proving the amounts paid. 

Please look into this matter and please convince Citibank to honor the XXXX miles promised to me. 

Please dont hesitate to contact me and thank you in advance. 

Very best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX : Late payments : XXXX  XXXX day late Comenity Bank XXXX  days late Incorrect Personal information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments : XXXX  XXXX- XXXX  days late Comenity Bank/XXXX XXXX days late
Product: Credit card or prepaid card

I have a XXXX  debit card from crypto.com it is called the XXXX XXXX XXXX card excuse me XXXX XXXX XXXX metal card. I had to stake {$400.00} of crow which is cryptos.com 's own cryptocurrency. It has grown to be almost XXXX but that is money that I can't even move myself if I wanted to I can not log on to the account using the email I created. XXXX I can not get in touch with their support agents I have emailed them I've called the number on the back of a Visa card which is supposed to have all the protections of any other bank in the United States.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXXACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH XXXX, XXXX  AND EQUIFAX WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Inquiry : XX/XX/2023 CAPITAL ONE Inquiry : XX/XX/2023 I have also submitted FTC report.

FTC Report Number : XXXX
Product: Debt collection

I receive hourly calls from an unknown number, however, once a day this call includes a voicemail from XXXX XXXX for XXXX. I am well-aware that I owe a debt to XXXX in the form of overdue credit card payments. Looking back on my device, since XX/XX/XXXX I have received seventy-five ( 75 ) calls from XXXX XXXX attempting to collect my debt. This is without going further back on my actual phone bill.
Product: Debt collection

5 or 6 years ago now I after my contract with XXXX ended they tried to claim I still owed them money. I showed them the paperwork that showed I wouldn't owe anything after the contract ended. They responded by sending it to collections, when I disputed it it was removed. 
What they actually did was sell that debt to another company who then sent it to collections as their own new debt about a year after I had XXXX removed from my credit report. I disputed that as well and it was removed to only be changed to another company and put back on my collections. This has gone though about 4 companies at this point and was never a debt I owed in the first place. 
I dont understand how they are allowed to just change the company name and claim it as new everytime I dispute it.
Product: Debt collection

I don't know anything about this and it just appeared on my credit report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX opened fraudulently on XX/XX/2016 balance of {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update the suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Debt collection

I asked for an itemized bill and no information matches whats on my credit profile. Company is no longer responding.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I have several inquiries that was placed on my credit report from transunion, XXXX, & XXXX I have contacted all 3 agencies to let them know that I did not apply for credit at any of these places. I have been ignored by one of them and the test explained that they did verify which Isa lie because I never authorized nor signed any statements giving permission to pull my credit report
Product: Debt collection

My son was covered under the State Medicaid insurance. Our local health plan did not bill them correctly and I have contacted both the state and health plan to resolve this. They're supposed to have been talking and sharing the information to get this corrected. I have told the credit management company this on several occasions. 

They just called me and started the call by asking me to verify my son 's social security number and birthday. I told them I was not comfortable sharing that information with someone who had called me. Instead of offering me their number to call back to, the woman simply told me that she'll just keep calling me and my wife until the matter is resolved.
Product: Money transfer, virtual currency, or money service

I reset my password on Square Point of Sale. Invoice payment paid XX/XX/2022. I opted for instant transfer. Square fees, initially {$9.00}, which left my balance at {$290.00}. Another option added, adding more fees for the advertised " Instant Transfer '' to {$280.00}. When I click on the option to transfer, my funds are not available, suspended by Square. Several calls to Square customer service since XXXX, which is the time advertised. Actual time Square take calls, told to me by a Square representative, XXXX. Once I finally spoke with a representative and requested to speak to a Supervisor, the representative didn't know her job description, yet she speaks on " behalf of a Supervisor, puts me on hold, " allegedly to transfer me to a Supervisor, didn't happen, I received a " Text message ''. I was told I have to wait " 4 '' days for access to my funds. My account has been verified on my XXXX XXXX, yet Square holding my funds. I have my screenshots as proof. From the last screenshot, my money want be available for 6 days, XX/XX/2022. This is unacceptable.
Product: Consumer Loan

I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.
Product: Credit reporting or other personal consumer reports

Check my credit and seen several inquiries regarding approval for credit that I didnt not authorize nor approve
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the inaccurate, unauthorized, and/or unverifiable information currently reported on my credit file. The continued reporting of this information violates federal law and has caused harm to my financial standing.
Product: Money transfer, virtual currency, or money service

I arrived at a money gram location to pick up a wire transfer that was not available as promised. The money was tracked as available for pickup prior to my arrival at XXXX on XXXX XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD / ( XXXX ) XXXX.
Product: Mortgage

I was contacted by Quicken Loans on my cell phone ( which is registered with the state and federal do not call list ). Said was regarding a loan application I had submitted online and they needed to talk to me to proceed. XXXX XXXX was the person calling. XXXX. I had not submitted any loan application, so I was terrified my information and identity had been stolen. I called back and when pressed, they admitted they had purchased my information from someone who mines internet data and they were trying to get me to take out a loan. I was livid. They were totally misrepresenting the situation ( saying I had submitted an app online ) just to get me to call so they could try to sell me a mortgage loan. This is, in my opinion, a scam and it should n't be legal.
Product: Credit card or prepaid card

Card : Chase Intercontinental On XX/XX/XXXX and XX/XX/XXXX, my credit was used by someone at XXXX XXXX store. I immediately contacted Chase when I saw these transactions on my statement that I did not recognize and was told by Chase fraud and customer service that these would be taken care of. They credited me but then these charges somehow were added back to my statement that I did not realize until XXXX. I called them again but was told they could not verify it was not me who used the card and made the purchases ... I requested an investigation - 20 days later, I got an email from Chase saying they have looked into it and decided these should be my responsibility - no one called me to explain why. At this point, late fees and interests were also added to this card. I called them again was told they needed additional documents to prove - fine, I went to the XXXX XXXX store and the store manager was able to help me print out the detailed transactions, turns out that the person who used my card bought a bunch of gift cards then used those gift cards to self check out at that store - how is this not suspicious ...? The store manager also told me they could provide video footage to Chase if they contact them, due to privacy reasons they are not able to share directly with me. I immediately sent these to Chase to let them know what the store manager told me - no response. Till today I'm still responsible for the charges, late fees, and interest fees. Plus, my credit score went down 101 points today because of this. 

I'm making an official complaint and request an investigation of this matter. Please let me know if I can provide anything else to help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX XXXX  has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.
Product: Credit card

XX/XX/24 I paid my card off in full ( {$130.00} ) knowing that XXXX transactions were pending for {$130.00}. Instead of available credit being restored, another transaction for {$55.00} posted on XX/XX/24. I did not make this purchase. I was informed by XXXX at Capital One that someone made a purchase using my account number online at XXXX on XX/XX/24. This transaction is not on my XXXX account and Capital One could/would not disclose any additional information. They said it could take up to 90 days to resolve. Although I have paid my bill in full, it still appears that I owe Capital One money and have a balance. This is negatively affecting my credit and is not a true depiction of the circumstances.
Product: Money transfer, virtual currency, or money service

ETORO, liquidated by crypto positions and closed my accounts. I can no longer access my accounts. They closed stating that I did not provide sufficient information. I had uploaded Passport, Drivers license and voice recording. These were asked months after I was using their platform. They were not asked at registration. I did provide them. 

My Loss : {$3000.00}
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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling XXXX too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also TransUnion I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to TransUnion XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, 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 u.s.c 1681 Dept of EDXXXX # XXXX .... 
XXXX XXXX XXXX XXXX XXXX 
U.S. Dept. Education # XXXXXXXX XXXX Said accts have violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all XXXX bureaus continue to report these items furthering the damage already done to my financial future. All proper documentation was submitted on XX/XX/2020.
Product: Checking or savings account

On saturday morning as i was walking out of my apartment to go get the metrorail i was physically assaulted and was dealt multiple head traumas, which left my unconscious and my personal belongings were stolen. I contacted bank of america immediately when i regained consciouness as i saw that around 1800 dollars was taken from my bank account ranging from transactions locally to some 3 hours away. After explaining the situation to bank of america they denied my claim in 5 days saying that i'm the one who used my debit card.