23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Today, XXXX XXXX. I was shopping at XXXX and while checking out there was advertising for special offer of 35 % off on your XXXX  purchase. There was a star for exclusion apply. When you hit that links it starts telling information about the credit terms and another information regarding the stores coupons. 
I made my purchase and noticed there was no discount then I thought maybe it gets deducted on the statement but I couldnt find any information about how it gets applied. I proceeded to make my purchase on my new approved credit card ( it said it was ready to use ) I browsed the website trying to find the information on the discount but it was not clear. I decided to chat with someone which it took time for the associate to review my issue, the account and order. The proceeded to informed that unfortunately the special discount is a store coupon that is receive within XXXX hrs of account opening by email. It doesnt get automatically applied to the first purchase you make on the credit card. Then they tell me my merchandise would not be receiving the extra discount because all the brands are excluded. The order can not be cancelled because the XXXX mins window to cancel an order had expired while I waited to be helped. The order will be received in XXXX business day. It can be rejected upon delivery or the merchandise can return. 
XXXX should be advertising their incentive As XXXX a 35 % COUPON on your first purchase so the client is aware that all exclusions from regular store coupon applies. ( XXXX coupon hardly work on anything they sell ) if I knew right away the offer was for a coupon then I would have never opened a new credit card. 
There is not easy link to find all the brands that are excluded from this special offer. Instead there is a section for the XXXX items etc but no direct link to a list or search button. Instead the customer dumbly thinks we are getting a special discount with this new credit card but apparently its NOT the case. 
I called XXXX XXXX that issues the credit card and they told me they can closed the account but not void the application and there is pending transaction so It might reflect the balance because once the online order is processed so I would have to submit a payment to cover it while the credit card shows as closed but I wanted to return the items. I dont want a hard pull. Closed credit card with balance and the hassle to return all this items. The system should allow cancellation for at least for an hour window. 
XXXX XXXX should offer a way to have an application be voided even after approval. 
XXXX should do a better job advertising sales, coupons, and ineligible brands. Apparently, their coupons only work on their own private brands. 
I hope other shopper learn from my distasteful experience.
Product: Credit card or prepaid card

American Express messed a refund up that XXXX XXXX had provided and held nearly {$2000.00} in limbo for over a month as they had difficulties getting it back to me despite disputing the charge with American Express directly. I reported them to CFPB, XXXX, and Attorney General of Idaho 's office. Following my report to the attorney general, American Express reviewed my account and subsequently canceled it. When I called to inquire on my account, no one in their organization would help me and kept referring me to a different office that was closed. I was hung up on multiple times. When I called back and spoke to the executive assistants office I was told that it was canceled due to abuse and going against the values of American Express. This feels retaliatory in nature to reporting them and happened within days of correspondence from the Attorney General. This also happened 5 days after I was charged a {$250.00} annual renewal fee. I inquired to get this credited back to my account so I can pay the balance off and wipe my hands clean of this company. They refused to do credit it back and said that it will show on my next billing cycle as a refund with a XXXX dollar balance on the account and will try to have difficulties getting it back as I no longer trust them to do this accurately. I am disputing this charge but meanwhile they will collect interest and expect me to pay the annual fee on this billing cycle while reporting an inaccuracy to the credit bureaus. I am filing this complaint with the CFPB, XXXX, Attorney General of Idaho, and all three credit bureaus.
Product: Debt collection

I am unaware of this alleged debt that was placed on my Experian consumer report ( See XXXX XXXX XXXX ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) If you, IQ DATA INT believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. I want this alleged debt removed from all my consumer reports effective Immediately. 

This is really disheartening to know that IQ DATA INT can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) I have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. IQ DATA INT license and documentation proving your authority to collect this debt from me. 

Additionally, I request my written consent for IQ DATA INT to have my NPI ( Non-Public Personal Information ) social security number, date of birth, address, and the contract that I agreed to publish the alleged debt to IQ DATA INT. Please be advised that this request is not an admission on my part, but rather a request for validation of the alleged debt. Upon receipt of the requested information and verification of its accuracy, I will then be in a position to discuss resolution. Please provide the requested documentation within the timeframe specified by the FDCPA. No validation of the alleged debt may result in taking further action to protect my rights. 

Thank you. 
XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to do a transfer from my savings to my checking and I accidentally hit the investment button because they had changed the format in their app for {$450.00} so I called the bank and the investment and they canceled it and voided it almost 10 minutes afterwards the investment called the banking side and told them to drop the pennies status and put the money back in my account. I spoke to an account manager, quite a few of them, stating that the back office would be working on it and that my money should be back in my account in a day Today is XXXX XXXX and they are telling me my money will not be back in my account till the XXXX and theres nothing they can do to expedite this. Theyre holding my money for no reason and its unfair and its causing me problems with my other bills I have to pay when they have the authority to drop the status and put it right back in my account on this investment site does not have the money to cancel. It called them voided it. As you can see, I attached the letter that was sent to me after I spoke to an account manager. They told me that it would be back in my account Saturday even in the letter she says it could take same day or 2 to 3 days. well same day we pass that up, Ive gotten so much misinformation from this bank and wasted so much time talking to them. It would tell me the exact same thing and now theyre trying to tell me now I have to wait till the XXXX. I still have bills to pay.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. Details of the unauthorized inquiry are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not applied for any credit or services with the mentioned creditor on the stated date , and I believe this inquiry was made without my consent . As a result, I request that this unauthorized inquiry be promptly investigated and removed from my credit report to ensure the accuracy of my credit information.
Product: Student loan

In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I've tried to send my disputes to the credit bureaus but i'm not getting much help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.
Product: Student loan

I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy
Product: Checking or savings account

On XX/XX/year> I PERSONALLY PURCHASED PRODUCTS FROM XXXXXXXX XXXX XXXX XXXX  XXXX, I USED MY DEBIT CARD TO MAKE THE PURCHASE, THE PRODUCTS WERE TO SHIPPED TO XXXX  XXXX XX/XX/year> I DECIDED TO CANCEL THE ORDER, BUT UNABLE TO SO BECAUSE THE STORE WAS CLOSE.RETURNED TO XXXX XXXX ON XXXX CALLING THE STORE NO RESPOND.I DECIDED TO SEND AN EMAIL REQUESTING THAT THE PRODUCT SHOULD NOT BE SHIPPED AND I AM CANCELING THE ORDER.STILL NO RESPOND.THEY SHIPPED THE ORDER TO XXXX, I NEVER RECIEVED THE ORDER AS OF TODAYS DATE.THE ORDER WAS DELIVERED BUT NOT IN MY POSSESSION THE PACKAGE WAS IN XXXX XXXX, NOT SURE HOW IT GOT THERE.I HAVE TRIED SEVERAL TIME WITH MY FINANCIAL INSITUTION AND WAS DENIED MY REFUND, I GAVE PROPER NOTIFICATION ON CANCALLATION, WHY I AM UNABLE TO RECIEVE MY REFUND FOR {$4700.00} .I HAVE NO PRODUCTS AND THEY HAVE MY FUNDS.THIS IS VERY UNFAIR.EVERY ONE HAS THE RIGHT TO CHANGE THEIR MIND AND I SHOULD NOT BE PUNISHED FOR FOR MY ACTION.COMPANY HAS THE PRODUCTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX opened XX/XX/2022 is showing inaccurate information on my XXXX credit report. Please update correct information under 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account reporting inaccurate information is keeping my credit profile stagnant.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent ive sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Mortgage

In XX/XX/XXXX I mailed in my mortgage payment to Pacific Union Financial. On he check I entered the correct numeric numbers XXXX but when written out I inadvertanly wrote out 'XXXX XXXX XXXX and XXXX cents ' instead of 'XXXX XXXX XXXX XXXX XXXX and XXXX cents '. The check was cashed by Pacific Union Financial but only for {$3000.00}. I never received a phone call letting me know of the error. I have had this mortgage since early XX/XX/2015 and never had a late payment. A letter was sent but arrived it arrived in XX/XX/XXXX and I did send in the difference immediately. 

I now discover that PUF has indicated a 30 day late on my mortgage to all 3 credit bureaus. This is causing me to be declined for another credit transaction. I spoke to the office of PUF 2 times and was told that the late payment will never be removed no matter who I speak to. In reality the principal and interest were paid on time the shortage was really only the portion for the escrow account and no disbursements were made or was the escrow account short. 

I am asking that PUF provide a letter that the mortgage has always been paid as agreed and the mortgage late as indicated for XX/XX/XXXX be removed
Product: Checking or savings account

Opened an account also funded my account with {$350.00} u.s. dollars and also deposited a check which they immediately placed my account on restriction and never released my funds after the fifth day of their hold period. In-which none of my funds has been released to me.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several accounts on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent, and I am taking the necessary steps to resolve the situation. 
Accounts to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card

fraud amecan express accounts i naver open it now reporting on all XXXX craitd reports ps i have XXXX card dont need amex
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit reports are FCRA violations i'm trying to buy a house please correct this ASAP or i'll be suing
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX XXXX  was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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 my written instructions The Credit bureaus XXXX and Equifax stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, has 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 a account without my written instructions.