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

I opened Platinum card from American Express exclusively for XXXX XXXX on XXXX. To open the charge card, one needs to have a valid brokerage account with XXXX XXXX. I submitted the application, called customer service to provide my account number, and then got approved. After meeting the spending requirements, I got the bonus points. 
Then early XXXX, I received a message saying that Amex would close my account because I no longer had an eligible XXXX XXXX account. It just doesn't make sense. I opened the charge card without any problem, but a few month later I was told I was no longer eligible to keep the charge card. And what's more, after my charge card was closed, my bonus points was removed from my reward program. They mentioned in the email that 'We recently noticed point accrual or redemption activity on your Membership Rewards program account that indicates an effort to obtain or use points in a manner that is not appropriate '. 
From my perspective, I didn't do anything wrong. My application was approved by Amex, I met the spending requirements for the bonus points, and redeemed the points in the way Amex provided. But my account was closed and bonus points were taken away. I do see some examples where bonus points are taken away because they close the account within one year of opening. But in my case, I do not close the card, it was Amex who closed the card. When I opened the account, I was eligible for the card and bonus points, but if later they changed the rule so that I was no longer eligible for the card, at least I should be able to keep the points I earned.
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 USC1681. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 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

They didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me. XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
Product: Debt collection

Hi XXXX XXXX collection ; cfpb ; These XXXX alleged account for alleged about was due to potential identity theft issue. I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Vehicle loan or lease

My account with CNAC was closed in XXXX and it's listed as a charged-off account for the amount of XXXX. The car needed repairs and had stopped running in XX/XX/XXXX. Instead of working out a solution to repair the car and a payment arrangement to pay for the repairs, they kept the car and listed it as a repossession on my credit report. I had a good payment history with this company from XX/XX/XXXX to XX/XX/XXXX, then the car stopped running. 

I requested a 1099-C since the balance is over XXXX. I sent the letter on XX/XX/XXXX. The company sent me back my letter with handwritten notes on XX/XX/XXXX. I am still requesting a 1099-C form for the charged-off amount listed on my credit report.
Product: Debt collection

I ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/23 to update this suspicious information. I think they 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 # XXXX, XXXX, and XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX : {$66000.00} ; XXXX XXXX. XXXX Balance : {$330.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX XXXX : {$28000.00}
Product: Debt collection

Zwicker And Assoc. out of XXXX, Ma are attempting to collect on an account that I defaulted on with XXXX XXXX. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.
Product: Credit reporting or other personal consumer reports

I am unable to access my TransUnion report online or through annual credit report.com. Subject : Dispute Against TransUnion for Denial of Access and Reporting Violations. 
I am submitting this complaint against TransUnion due to the following issues : 1. Denial of Access to Credit Report : I am unable to access my TransUnion credit report either online or through XXXX. This lack of access has significantly hindered my ability to monitor, manage, and dispute inaccuracies on my credit report, causing harm and stress. 
2. Reinsertion of XXXX Account Without Notification : TransUnion unlawfully reinserted a XXXX XXXX XXXX account into my credit report without notifying me within the required 5-day period as outlined under the Fair Credit Reporting Act ( FCRA ).

3. Errors in XXXX XXXX XXXX  Account Reporting : I am unable to adequately dispute inaccuracies on my TransUnion report regarding a XXXX XXXX XXXX  account. This account is : Not reporting any payment history. 
Showing an incorrect payment history code. 
Displaying an incorrect date of last activity. 

XXXX. Requested Resolution : I respectfully request that TransUnion : 1. Provide immediate access to my credit report online and through XXXX to ensure I can manage my credit properly. 
2. Investigate and remove the XXXX XXXX XXXX account due to failure to comply with FCRA reinsertion notice requirements. 
3. Reinvestigate the XXXX XXXX XXXX  account, update or correct all errors, and ensure it reflects accurate information regarding payment history, account payment history codes, and the correct date of last activity. 
4. Provide written confirmation of all actions taken to resolve this dispute. 

XXXX. Supporting Details : TransUnions failure to provide proper notice for reinsertion of the XXXX account violates FCRA Section 611 ( a ) ( 5 ) ( B ). 
The inability to access my credit report violates my rights under the FCRA to review and dispute inaccurate information. 
The inaccurate reporting of the XXXX XXXX XXXX  account has further impacted my credit profile and ability to apply for credit. 

Please address these issues promptly as they are causing me harm and infringing upon my rights as a consumer.
Product: Credit card

I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off.
Product: Mortgage

Hi, Currently my mortgage loan is serviced by ally bank and they manage escrow. Had requested late last year to remove escrow so I can manage all property taxes myself, but was told according to the contract this can not be changed. Was okay with it. 

On XX/XX/XXXX  received a letter that my escrow account had surplus money of XXXX and they issued a check. 

But on XX/XX/XXXX  I received a letter from XXXX XXXX XXXX, stating my property tax was delinquent and supplement taxes wee not paid. IN spite of me making regular payments to escrow, I was never informed that supplement tax would not be paid by the escrow and it would be home owners responsibility. As a result I have to pay penalty of XXXX and XXXX. I called ally bank on XX/XX/XXXX  and they did not have an answer for this miss communication. 

I went ahead and made the payment to XXXX XXXX treasurer, but I feel this was servicer fault who did not inform me about the part of the tax that owner has to pay and part will be paid by escrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$3300.00} from XXXX XXXX XXXX XXXX, XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XX/XX/2024. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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

Purchased {$200.00} worth Gift Card from XXXX physical store on XXXX XXXX. This is a VanillaGift Visa card. We activated this in their website as per the instructions found on vanillagift.com. Site showed {$200.00} balance. Right from the 1st use, the card got declined. Tried in other retail locations. Never worked. We called the XXXX number. They asked use to send our Drivers License picture and Gift Card picture and the Receipt for the purchase of the card. We promptly sent that on XXXX XXXX. Called today and they say they haven't received the email. We know that is not true. We didn't get any emails that typically comes if the email is not sent. They are now asking us to send the same info and call after 10 business days. We know that this is a delay tactic to hold onto our {$200.00} or to deny eventually. Because, what kind of consumer finance company will not receive an email sent to them exactly following their instructions. 

The case number is XXXX. Company is Vanillagift.com owned by Incomm
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you AGAIN I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was living in California and predatory XXXX XXXX representative in the store applied for me the service. They declared it will sent to my account but I didnt see it. It was sent credit bureaus and I can not contact them for this issue because it sold to another company called National Credit Adjustment. Please remove this from my credit reports.
Product: Debt collection

This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I got a {$5000.00} loan from Sallie Mae and before I could pay it off I had to file a chapter XXXX bankruptcy. I got a letter from sallie Mae saying my loan was charged off. Two or three months later they called me to pay the loan off. Before they let me start back paying they say I have to pay {$1000.00} up front then they can put me on a {$100.00} a month payment plan. I only paid {$35.00} originally but they say when you file bankruptcy you loose that payment plan. I am still in school and do n't have {$1000.00} to give them upfront. What can I do?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 1

5 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This represents a violation of my consumer rights to privacy, as these entities have no legal basis to report anything under my name.

Additionally, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 1028, I assert that I do not owe any debt to these entities and demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please confirm the removal of the disputed entries and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/2022 Confirmed order for XXXX  in he amount t of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX also promised the XXXX would be installed within 10 to 11 weeks ... no exceptions XX/XX/2022 XXXX called for my debit card number to pay the deposit of {$3300.00} XX/XX/2022 XXXX notified me that no windows were received as of that date XX/XX/2022 I asked for an update on the XXXX, XXXX stated they should be shipped shortly XX/XX/2022 I stated that was not an answer, XXXX emailed the manufacturer, said if no no definite date I could cancel. 
XX/XX/2022 XXXX stated he would get back to me by XXXX, he didn't XX/XX/2022 I asked to cancel the order, no answer XX/XX/2022 I asked to cancel again XX/XX/2022 XXXX sent me a screenshot of text from the manufacturer stating the XXXX were in manufacturing pre load which means they were not even made at this point. I have the screen shot. He also thought it was funny joking around about he order. Again, I have the entire communication in text format. 
XX/XX/2022 I asked for a refund again. 
XX/XX/2022 XXXX stated the lead time was 8-10 weeks which had already passed. He still wanted to do the job. I said no. I asked for a refund twice more XX/XX/2022 I advised XXXX that XXXX filed a dispute with Bank of America XX/XX/2022 XXXX replied that he could not refund me because he already spent the money on the XXXX and it was too late in the process. 

I was under the impression that Bank of America would process my claim as expeditiously as possible. I understood that the merchant has the opportunity to refute the claim within 45 days, which they did by sending a photo of a box with XXXX in it. As far as I know, they weren't the windows I ordered and I cancelled before they were made anyway. 

I called Bank of America many, many times speaking to agents and supervisors only to hear very different excuses. The merchant ( XXXX XXXX ) stopped responding. They kept saying they are researching the claim and there is no time limit on the process! They also said at one point that the Bank of America XXXX is who is researching the claim and makes the decision whether I would be refunded or not. Well, this organization doesn't exist as far as I can tell.