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

Allegedly, my account ending with XXXX ( Business Gold Rewards Card ) was SHUT DOWN for not complying with the offer terms. 

1.Here is the shocker : there were no offers or promotional terms attached to this account as this has been verified by several account managers. Moreover, the account was not actively linked to any other cards at that time. So the linkage and pattern theory is flawed as explained by reps. 

2. American Express has one of the strictest policies for sign-up bonuses that cap one per card per lifetime. I have already received the sign up bonus in the past for this product and this offer would not have been added as you insinuated. Your reasoning in this case is illogical and flawed, too. I strongly suggest that you get familiar with your policies.
Product: Debt collection

This account was established over 10 years ago. I closed it by choice between XXXX and XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XXXX. In XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
Product: Debt collection

They called me XXXX am yesterday XX/XX/year> and again this morning at XXXX am on XX/XX/year>. 

The laws state they are not supposed to be calling prior to XXXX am local time and they still persist to call me everyday in the early morning. 

They have called from XXXX different numbers but my XXXX IDs they so I know its them both times.
Product: Debt collection

A citation from the state of Texas was sent to my fathers address while I was living in Tennessee on XX/XX/XXXX. 

I responded to the citation on XX/XX/XXXX with affidavit to both lawyer of XXXX XXXX XXXX and the court, asking for a full validation of date. 

They responded with bill of sale of a pool of charged off accounts, statements, and credit card agreement pricing information. 

They did not provide the full validation of debt to prove i am in fact the debtor, including the original contract with a wet signature of the debtor.
Product: Debt collection

The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT MANAGEMENT LP has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S. 
Bankruptcy Court Reference # XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I paid for services for an attorney to file XXXX  XXXX bankruptcy.Unfortunately, the attorney passed away before filing.I have all documentation that will prove this was the case.I am waiting to hear about my {$1600.00} that was paid in advance but have heard nothing from the estate handling the dispersal of funds.I do not have another {$1600.00} to pay another attorney.I have explained this several times to all of these collection agencies.As time progresses I receive more judgments and threatening letter. I have been a recipient of many violations at this point.Just recently I had went to a job interview and was notified that there was a judgment against me. I find this very alarming due to the fact that it would be a future employer. I am aware there are laws in place to prevent this sort of thing. In this instance I believe a privacy law was violated.I have tried to rectify my financial problems with these collection agency but find it virtually impossible.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankrupsties to the credit bureaus I got a letter back stating " They do not report any bankruptcy to anybody so if thats the case. How did the credit bureaus edit my bankruptcy as 100 percent accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 states the term " investigate consumer report " means a consumer report or portion therefore in which information on a consumers character general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported reported or other with whom is acquainted or may have knowledge concerning any such items and of information However such information reporting agency when such information was obtained directly from a creditor of the consumer They also violated my rights plenty of times The credit bureaus violated my rights under 15 USE 1681 According to this I have the right to privacy
Product: Debt collection

On XXXX while signing the closing documents to refinance my home, I was provided with copies of my credit report from the 3 major credit bureaus. On the XXXX  report I noticed that it stated I had an account in collections. After closing, I immediately went to XXXX and requested a copy of my credit report from XXXX. On the report, I saw that I had been placed in collections for {$86.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, United States ) with a debt collection agency Bay Area Receivables INC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Since I had never been notified by XXXX XXXX XXXX or the debt collection agency of any outstanding balance, I immediately phoned the collection agency at the number listed on the credit report, XXXX. I spoke with a representative and advised that I had never received any notification of the debt, so I was upset that it had been reported to a credit bureau. He advised that a letter was mailed to me in XX/XX/2020 to my home address. I advised that I never received that letter. I requested that they resend the original letter and / or verification of the debt. He refused to do so and said that I had chosen to either ignore the letter or that I had misplaced it. I advised again that I had never received the letter. Further on in the conversation, he advised that the original debt was for {$250.00} and that my insurance had paid {$160.00} and the remaining balance was {$85.00}. This immediately concerned me, as that information was totally incorrect. I informed him that I was the one that had paid the {$160.00} out of pocket and that per my XXXX XXXX XXXX website account, there was no outstanding balance against the original debt from XXXX XXXX, as the insurance plan discount was {$85.00}. He asked that I email him this information, and I said I would not do so without some verification of the debt in writing and asked multiple times for him to resend me a copy of the original letter they claim to have mailed to me. Each time he refused and said that I had only 30 days from the date of the original letter to ask for verification of the debt or dispute the debt. I have attached a copy of the medical claim made with XXXX XXXX XXXX verifying the above stated amounts. In addition, I am also attaching a file downloaded from my HSA account website showing all of my transaction, on row 63 you can see that I paid the {$160.00} on XXXX on transaction number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is again the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX2022 to XX/XX/XXXX2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> @ XXXXXXXX XXXX. took car in for oil change and two new tires. Decided to get extra work done they said they could do. 
I got a bad poor service because of being a woman and XXXX XXXX. Busted front fender. Two dirty used looking tires instead of new. Torn rims and missing emblems off of three tires. Car almost came off of rack so the hood strut was busted. The rack and pinion was busted also.

The car has not worked and been parked for Three months now. It is costing me {$5000.00}. 
In the mean time I am catching the XXXX. ( $ $ $ $ $ ).. 
Have also spoken with corporate and the bank of credit card. I will not be paying a XXXX for this kind of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit card

I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$4000.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$4000.00} when in fact, {$3000.00} were attorney fees, paid directly to XXXX.
Product: Credit reporting or other personal consumer reports

For months I havent been able to get my credit report or score dispute any information thru transunion for years and I have tried to resolve the issue directly with the company to no avail nothing has happened this is a big inconvenience to me being a consumer not being able to access my credit report, when I login into transunion to view report it gives a error message saying your report isnt available online at this time please call this has been going on for years
Product: Money transfer, virtual currency, or money service

I opened a chime account when the card was issued they sent the wrong routing and account information with the card I called them to find my check and they had no idea where it was when it was found and sent back to the social security office I went to the social security office to get it and the sent it back to chime no chime is refusing to put my money in my account I just want my money my children need food and medication I called chime customer support and they were so rude XXXX and XXXX  they refused to let me speak to a person who was there manager in the company this was on XXXX/XXXX/223
Product: Debt collection

one day I was looking at my credit report and it was there I have no idea how these people got my info but I know for sure it's not mine. I don't know what else to say this is the info I got from my credit report commonwealth financial for {$1000.00} they keep putting it on my report as collections for the past 3 years I think
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

Chase via XXXX has not paid out the remaining funds in the escrow account following a fire on XX/XX/XXXX. Chase still is retaining funds in the amount of {$5000.00} without payment of interest and delaying my payment to vendors. 

My mortgage was transferred to Chase from XXXX on XX/XX/XXXX. 

Chase via XXXX refused to schedule an inspection for the first XXXX weeks following my loan transfer. 

I called XXXX on XX/XX/XXXX was told that an inspector would be assigned and contact me in 5 days. I was not contacted in the XXXX business days after this call as promised. 

Then I was contacted by an inspector via text on XX/XX/XXXX at XXXX PM. I called back and left a message and then did not receive a subsequent call back. 

After waiting a substantial amount of time, I called on XX/XX/XXXX and cancelled the in person inspection in order to schedule a virtual inspection. Chase via XXXX only offered me a date for inspection on XX/XX/XXXX at XXXX PM. This was almost XXXX XXXX months after my loan was transferred. I can not rent the property until this inspection is complete. 

To summarize, Chase via XXXX unnecessarily escrowed my funds and refused to pay them out as agreed by making scheduling for inspection highly difficult. This action directly benefits Chase as they are able to accrue interest on escrow funds.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX  XXXX XXXX Balance {$3800.00} XXXX  XXXX Balance {$7900.00} XXXX  XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

n 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, lf, 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 supposed 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: Mortgage

- [ ] XXXX mortgage statements and foreclosure notices immediately XXXX originally al payment, the accidental death insurance we were charged for never enrolling, enrollment form included. 
XXXX mortgage statements from XXXX MD XXXX 
XXXX begin seeing statements from XXXX NJ, every month no payment received notice on the XXXX th! Coming from yet another Wells Fargo company in SC. Also no payments sent on the XXXX of each month no matter. XXXX day grace period. Multiple mortgage statements for XXXX month with h conflicting amounts. How can you receive a monthly statement dated the same as the payment noted on mortgage statements? XXXX along with the XXXX accidental death insurance, not authorized, the late payments on top of late fees, and out of no where random amounts due in the other charges on the mortgage statements XXXX the numerous payments made to Wells Fargo, to be told to login to the email address ; XXXX. Its yet another law and reason Wells Fargo has been fined multiple billion dollar fines on top of the multiple million dollar fines for all the illegal activity and actions by Wells Fargo and employees and their sub companies. This is just a minuscule amount of paperwork we were bombarded with by Wells Fargo home mortgage, in MD, NJ, SC, ID, CA, thats only a few states they have operations in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MUST RE-INSERT MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX AND FURNISHERS ARE IN VIOLATION OF THE F.C.R.A. 15 U.S.C. SECTION 1681g and ALL OTHER CREDIT FURNISHERS LAWS.
Product: Credit reporting or other personal consumer reports

After viewing my credit report, I noticed that my student loans account was reported delinquent as of XX/XX/year>. I did not receive notice that my payments were coming out of deferment.