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

It seems that when I apply for American Express cards they only Approve me for cards with {$250.00} & {$550.00} annual fees. I currently have a American express gold card which has a {$250.00} annual fee. I spent way over a XXXX dollars in purchases using the card last month, however I did not receive the points I earned. I tried to apply for a different card that doesn't have a {$250.00} annual fee ... And they declined me for the exact same reasons they APPROVED me for. It doesn't make sense. I have a list of their cards that I have applied for ... And they only approve me for cards with annual fees. I believe this is extortion on American Express 's part. My credit is a lot better now then before when I had applied. I talked to someone in American Express Executive department and they sent my application for the other card under manual review. They initially said the reason for decline was because of too many inquiries on my credit. Well I did have a lot more inquiries on my credit when they approved me for the card with a {$250.00} annual fee. They also said my relationship with American Express is too short. Well that is false, I have been a card holder of American Express for 6 years. The application ID in question is # XXXX. Please review this with American Express. I believe American Express is seriously violated ( FCRA ) Fair Credit Report Act- under fairness. They are only approving me for cards with annual fees. Also I would like to know where the points are that I have earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card

I had a World Points MasterCard from Bank of America with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to " something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Bank of America really does not care about the average person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file. 


I would like to have these items removed or validated per 15 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX ( original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 agency can not furnish an account without my written instructions
Product: Credit card

I was contacted from a company " LVNV Funding '' about a credit card account from XXXX XXXX, that was sent to their office for collections. They gave me the credit card # but were not able to give me any other information. I explained to them that I did not open an account with XXXX XXXX, nor did I have any knowledge of this account. The time period that they said it belonged to I know for absolute certain it was not me. I then got a copy of my credit report and sure enough this account is on there. I know that I have disputed it more than once but they always say they will send me a letter, and I never receive anything. This account is not mine and can not be verified to be mine.
Product: Credit reporting or other personal consumer reports

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant negative impact on my mental well-being.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy was breached by XXXX, Equifax, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX! XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that fraudulent items, associated with FTC fraud reports # XXXX, XXXX, and XXXX, are not being removed as required by law ( FCRA 605b ). Consequently, I am dispatching this compliant to establish a legal recourse. Failure to remove the specified items, inaccurately reported due to identity theft, will prompt me to involve my attorney for legal action. My intent is to avoid legal proceedings, and I urge compliance with the law. Please remove the following fraudulent items, opened without my consent or knowledge : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX  XXXX Balance : {$1000.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}. If you assert these items are 100 % accurate and verifiable, provide copies of any documentation associated with these items bearing my signature, as I know none exists.
Product: Credit reporting

I have an unverified account from XXXX XXXX account # XXXX that was placed on my credit report and I have been trying for over 4 months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my 3rd dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.
Product: Debt collection

Original creditor XXXX XXXX sold my debt to Law Offices of Hayt Hayt & Landau in NJ. They called me and told me they were a law firm and if I did not pay I would have to go to court and there is a possibility I might go to XXXX. I got scared and felt like I was forced to pay. The original debt was {$2700.00} but I settled and the new amount owned was {$2200.00}. I was scared to go to XXXX  and paid the settled amount of {$2200.00}. I would like my money back and get compensated. I made 2 payments, the 1st payment was for {$920.00} on XX/XX/2024 and made the 2nd payment of {$1300.00} on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. The inaccuracies are highly injurious to my credit score. 
Both accounts have different information as you can see in the attach file in this report. Inaccurate like Different account number, account type, date opened the account and the status are different across all credit bureau. The inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the followings accounts. 
XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit card or prepaid card

This complaint is about the elderly and disadvantaged being financially " XXXX '' by the financial card issuer/issuers. Please consider the following information applicable to my complaint. 

On or about XX/XX/XXXX, I received a surprising electronic delinquent account notice and, a late fee notice regarding XX/XX/XXXX. 

Thereafter, on or about XX/XX/XXXX, I called the company 's customer service center and scheduled a {$25.00} electronic payment for XX/XX/XXXX. 

And on XX/XX/XXXX, I logged into my account and attempted to schedule auto draft/bill pay arrangements to be ongoing until the debt is paid.

However the system would only allow me to schedule payments for four months out, XX/XX/XXXX, because I was a delinquent customer. 

When speaking with customer service staff on XX/XX/XXXX, I was told that at the end of XX/XX/XXXX, I would have to enroll electronically, into another auto pay program that the company has. 

I asked if the company auto responder would send me notification warnings about the four month period expiring. 

The customer service person informed me that company did not have an auto responder program for such activity. 

This brings us to the heart of my complaint as follows : 1. Are elderly people, who are on lots of medications and, have XXXX XXXX competent to keep up with this requirement via computer or, toll free number ( s )? 

2. Is it an unreasonable expectation that a XXXX XXXX company can not field an auto responder? 

3. Can it be that the company uses this form of financial " XXXX '' to boost profits from fees collected from the disenfranchised? 

Well, what do I want you to do about my complaint? 

My expectations are that you initiate an investigation into this company and, that you will also peer into the operation of other companies to discern if this is an industrywide practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, my husband and I filed for Chapter XXXX Bankruptcy due to my husbands illness. Two weeks after we filed, my husband was awarded XXXX XXXX XXXX through the Veterans Administration. The mortgage company was going to foreclose on our home and were unwilling to work with us, so bankruptcy was the only option for us at the time. We made monthly payments to the Trustee of the Bankruptcy up until XX/XX/XXXX. We had been advised not to have any contact with any of our creditors until the bankruptcy was discharged. The discharge came in XX/XX/XXXX. I never heard anything from any of my creditors including the mortgage company. At the end of XX/XX/XXXX, I began sending my mortgage payments directly to the company. In XX/XX/XXXX, I noticed my XX/XX/XXXX payment had been returned to the bank. When I called the mortgage company, they told me I was in default and that my home would be foreclosed. No mention was made as to when and where this default occurred and since we had been making monthly payments since the bankruptcy discharge, we had no clue. I contacted my lawyer and a seven month ordeal began. During this time, numerous letters were sent from the mortgage company even though they were advised not to contact us directly but to go through our lawyer. Seven months later, the dilemma was resolved. Apparently during the five months between my last payment to the trustee and the discharge, no payments had been made to the mortgage company. Had the mortgage company representative advised us of that, we would have made the payments. At the end of the seven months the mortgage company sent a settlement of {$5000.00}, which was to go towards our missing payments. We sent an additional {$810.00} to bring the account current. That was on XX/XX/XXXX. In XX/XX/XXXX, I checked my credit score and it was in the mid XXXXs. In XX/XX/XXXX I rechecked and it had gone down into the low XXXXs. Reviewing my account, I noticed the mortgage company had entered six months of 120 to 180 days late on my mortgage payments in XX/XX/XXXX I was astonished. I tried to speak to the mortgage company to no avail. My lawyer stated the mortgage company was within their right but I do n't feel this is ethical. I feel this is payback for having contacted a lawyer. This is not fair business practices. We just spent five years in a bankruptcy and now will have to spend five more until this mortgage issue can be erased from my credit report. I truly hope you can do something to help us. Thank you.
Product: Credit reporting

They charged off my account. I never missed a payment, so how can this be? They told me they charged off my account, because bank did a return check for speculation of fraud. These people who work at the bank, are liars! I needed this deleted off my reports.
Product: Debt collection

I have been to court and was making payments as agreed as per court order. However, the debt collection agency ( XXXX XXXX XXXX ) refuses to send me monthly statements showing payments and balance on the account. I have reached out to them on several occasions with no success in resolving this issue. I stopped making payments due to there is no way on knowing when the debt will be paid with no statements. The debt collector is unreasonable and will not come to a reasonable solution in this case. Midland has taken money out of my account which are the funds from my monthly social security check. I received a letter about going to court to garnish my wages after the funds had already been taken from account with my social security. The balance continues to rise due to adding on late and attorney fees and court cost. I did not receive any notification about a court date regarding garnishing my wages. I have bank statements showing the payments that have been made to this company and the balance continues to go up. Midland has tried to collect this debt for XXXX XXXX XXXX the original creditor. The original creditor ( XXXX XXXX XXXX ) has solicited me to obtain another credit card. I used the card to see if it was legitimate but later called to closed the account. Please help with this in any way you can I am an elderly woman that can not afford anyone taking funds from social security benefits. I am the head of my household and spend a lot on medicine and doctor visits from my illness of being a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft unauthorized accounts opened under my personal information XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XXXX XXXX 2017. I attempted to cash paycheck at Bank of America XXXX XXXX Branch. I do not have account with Bank of America. Check was a Bank of America Issued. I had cashed paycheck previously at same location. Such was my surprise when the teller called the manager who then denied me services.