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

Dear whom it may concern, I opened XXXX XXXX American Express Card on XX/XX/2018 through a link which offers 100,000 XXXX XXXX Bonus points after spending {$1000.00} within the first 3 months. 
After spending required amount, I realized that I didn't receive the points, so I contacted to American Express to figure out. 
I had a conversation with a representative through a chat on their website, and I was told that the promotion was not on my account. ( It was around XX/XX/2018 ) They told me that the promotion is not on my account but they will open an investigation since I could be eligible to receive that bonus, because I applied through a link which clearly says the promotion and I never had the XXXX XXXX Card before. 
It has been more than a year after submitting that request, but I didn't receive the bonus and I didn't hear back from them. 
Thus, I want to submit a complaint via CFPB. 

Thank you,
Product: Consumer Loan

I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report. Thank you
Product: Debt collection

XXXX Call said regions bank collection. I work for XXXX I do not owe a debt never applied for any loans within the regions bank. Consistently calls my parents house.
Product: Mortgage

After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.
Product: Debt collection

Over the past several months, I have been dealing with significant issues regarding a debt allegedly owed to XXXX XXXX XXXX and being collected by Wakefield & Associates. The reference number for this case is # XXXX. I first received communication about this debt on XX/XX/XXXX. The accounts associated with the debt were identified as originating from XXXX XXXX with dates of service from XX/XX/XXXX to XX/XX/XXXX. 

I requested detailed validation of the debt, including verification of the amounts owed, itemized charges, and proof of the company 's authority to collect. Despite several follow-ups, Wakefield & Associates has failed to provide the requested documentation. On multiple occasions, the amount I allegedly owe has changed, and the information provided by their representatives has been inconsistent. Initially, I was told the amount owed was {$1000.00}, but later, a credit of {$1000.00} was applied, leaving a balance of {$56.00}. However, during a recent phone call, I was informed that the amount owed had risen to over {$400.00}, and the online portal shows a different balance of {$320.00}. 

I have made multiple requests for clear documentation, including proof of debt and detailed itemizations of charges. I have yet to receive any of this documentation, despite being told it would be mailed to me. Due to the lack of clarity and consistent communication from the company, I have been unable to resolve this issue and have withheld payment until the situation is clarified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX  Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX  XXXX
Product: Student loan

I was a student at the XXXX in XXXX Texas I was affected by the sudden closure of the school that took place on XX/XX/2016. I was a new student my start date was XX/XX/2016 I was in my words " conned '' into signing a private school loan for the total of {$14000.00} with a XXXX % interest rate from a private loan company ASFG ( American Student Financial Group ) also known as XXXX of XXXX. I have been in contact with several women at the ASFG office XXXX on trying to have this loan cleared as I feel they have breached the contract but keep getting no answers and only being told I have to repay all the money and interest. I was only in school for XXXX weeks which was a total of XXXX school days I received nothing at all from XXXX of XXXX. I did not get to finish my first term due to the school closure. There for I was told I did not get any credit for my time nor did I qualify for transcripts due to not finishing my first term so I get no credit and no transcripts. I am being left with nothing but this loan I feel as if I am being robbed I have nothing to show for this loan but tears and stress this can not be okay. I am now receiving debt warning letters from a company named XXXX ( XXXX ) stating I am defaulting my loan obligations and need to repay this loan and interest. I made a total for XXXX payments when I was an active student the first was for {$100.00} and the second was for {$150.00} I have receipts and all fitting documents of my time of enrollment the ASFG company continues to tell me that this is my problem and obligation. I am reaching out for help or some guidance on what I can do to help clear this loan this can not be okay please help me. 
Thank you for your time
Product: Credit reporting or other personal consumer reports

This is my first 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, remove 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, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX  XXXX Balance : {$62000.00} XXXX XXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

Inoticed unauthorized inquiries on my credit report that I would like removed. '' according to the FCRA, these unverified! 
and unauthorized items must be removed. Inquiry XXXX XXXX  date XX/XX/year>, XXXX XXXX XXXX  ( date ) XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$33000.00} XXXX XXXX XXXX CO XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Called TransUnion because I have been trying to apply for a loan and they will not give me a credit score, or the banks that have been trying to run my report. I spoke with a  representative at TransUnion about by non existent credit score.. he told me that I did in fact gave a score but he couldnt give it to me unless I paid the monthly member fee of {$29.00}. And I asked again if I did infact have a score and he said yes that he was looking at it but he could not give it to me.. and obviously no else.. now I know that my credit score was low the last time I checked a few months ago.. I had done credit dings.. now they are all gone from my report except one, and it says I paid on time and closed the account after a few years ... so how can he refuse me and the banks my credit score? And when I run my free yearly report.. nothing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I INFORM EQUIFAX THAT THIS IS NOT MY ACCOUNT AND NOW ASK THAT THEY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engel haloyalravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Checking or savings account

On XX/XX/year> I initiated transfer from my Venmo checking account to my XXXX XXXX XXXXXXXX account. The transaction got cancelled and they suspended my account. Upon asking reason for suspension they closed my account holding my funds of {$1000.00} for XXXX days without any closure. I tried to talk to them to release the funds because I was in urgent need for it but they said no further action could be taken and closed the case.
Product: Debt collection

I received a collection letter from XXXX dated : XXXX XXXX  asking me to pay {$2000.00} for XXXX  XXXX Credit Card debt ( The debt owner is LVNV Funding LLC ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from XXXX-See attached Letter and documents. 

Then I received another ( 2 ) letters from Resurgent Capital Service dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is LVNV Funding LLC ) This so confusing and its stressing me out, both debts are owned by LVNV Funding LLC, and I do not recognize this debt at all, and they are not providing me with enough information.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full
Product: Credit reporting or other personal consumer reports

I filed a credit freeze for a minor child with Experian. 

Today, a confirmation letter arrived via postal mail but Experian recorded the wrong address for my child. 

The USPS mail carrier asked me to correct the address. 

I called Experian 's number ( XXXX ) XXXX, which was included in the letter, but could not navigate the automated system to a point where the address could be corrected. 

I also tried their headquarters at ( XXXX ) XXXX without success Experian already has all the information, including the birth certificate and my driver 's license. They can see the error from their records. 

The phone seems a safer choice than mail since they have the wrong address.
Product: Debt collection

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, R-XXXX, and Rep. XXXX XXXX XXXX, D-XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the longlasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balancenot including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. 

DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! 

Thank you for your full consideration in this matter. 

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

Re : Improper Student Loan Default Status When CARES Act was passed, money that was seized from my tax returns was returned to me, but my loan was paid off. Why would the decision be made to undo the payoff? That was out of my control and now the default status is affecting me closing my mortgage loan in the next two weeks. There must be an alternate status that my loan could be placed in at least until XX/XX/XXXX. I called to make new payment arrangements, but the DEFAULT status is hurting me right now. 
The Department of Education immediately placed my loans into default. It is my understanding that the CARES XXXX was to provide temporary student loan relief in three critical areas through XX/XX/2020. 

-Student loan payments are paused -Interest is suspended -Collection on defaulted federal student loans is stopped Please help me with this promptly. I really need my home. 
Why is this affecting me BEFORE the XX/XX/XXXX deadline?
Product: Vehicle loan or lease

XX/XX/2020 My full payment was applied as listed below ( {$33.00} principal + {$490.00} interest ) I discussed this on a chat with them, and they claimed it was compound interest about a month or two ago not sure of the date.
Product: Checking or savings account

I am writing to formally dispute a series of transactions that have been incorrectly associated with my Bank of America account, as reflected in the attached documentation. I recently received a transaction report that lists multiple transactions between the dates XX/XX/XXXX, - XX/XX/XXXX which I did not authorize nor recognize. 

Please note that during the time these transactions were processed, I did not have access to my account, making it impossible for me to conduct or authorize any financial activities related to these transactions. While the Bank of America account number listed on the report is indeed my account, the listed transactions are fraudulent and do not reflect any actions I took. 

I kindly request that XXXX XXXX XXXX investigate this matter promptly and update your records to reflect the fraudulent nature of these transactions. Additionally, I ask that any negative reports or information related to these transactions be removed from any reporting databases. 

Please do not hesitate to contact me if you need further information or documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. 

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

I have tried routinely over the last several years to contact Transunion about my credit report having not changed since last updated in XX/XX/2015. I discovered just this weekend when working on paperwork for a home refinance, that Transunion had me listed as " deceased. '' The scores of times I tried to discover why my Transunion score had not updated or changed, and no one there bothered to look at my file. You would think that someone would have seen it.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint against XXXX XXXX for reporting an unverified bankruptcy on my credit report. They sent me a letter saying they were going to remove it and never did. This is causing me harm.