23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Delta Skymiles American Express credit card because they had a promotion of XXXX miles and {$500.00} statement credit after spending {$3000.00}. I took a screenshot of the offer and then applied for the card and the same day was approved. I then purchased {$4500.00} of Delta airline tickets. I followrd up 3 days after the transaction cleared to check on the welcome bonus. American Express told me to wait 5 business days. I followed up aftet 5 business days and they told me the XXXX bonus miles was applied but they could not find the {$500.00} statement credit offer. They provided me a link to upload the offer screenshot and said they would open a case. I followrd up on the case and they said it would take up to 8 weeks to investigate. The bill is due sooner than 8 weeks and would never have applied for the card if it did not include the {$500.00} statement credit. I feel this is a bait and switch scheme by American Express.
Product: Debt collection

The number listed above is my work telephone number. I did not give the original creditor permission to call this number at any time. Yet, now the debt collection agency, CKS Financial is calling this number using a robocaller. Caller ID shows it as XXXX. Today alone I have received 4 calls from this number to my work telephone number. In the past week I have received a total of 20 calls from this number with the same pre-recorded message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX debt is over statue of limitations plus there was an order of dismal n gabs and seal XX/XX/XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 suppose 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 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 card or prepaid card

I made a purchase with my American Express card, for a vacation package. The date of the purchase was XX/XX/2022. The price of the package {XXXX} flight and hotel combine together. Unfortunately the flight was cancelled by the airline. On the date of travel. Citing issues with the airplane. The agent at XXXX ticket booth ensured me that I would get a full for the ticket only with 7-10 business. When I contacted the hotel they were giving me the run around which prompted me to file a dispute with my credit card American Express. The biggest mistake of my life. It has been an uphill battle getting this issue resolved. American Express will credit my account then reverse. This is a dispute nightmare. XXXX claimed that they attempted to refund me back my money but because I dispute the charges. Granted I was only trying to dispute the hotel charges. American Express took upon themselves to chargeback the entire amount. Causing XXXX refund to kickback. Then American Express turned around and refuse the chargeback. American Express is by far the worst credit company known to men. And I honestly believe that there needs to be an investigation on their business practice. This is the second complaint file with your agency regarding this matter with American Express. They will issue a XXXX apology give me a temporary credit then reversed the credit a week later. With no valid explanation. At this point something has got to give. I will include copies of the live chat conversation with XXXX to support my claims. But knowing how American Express does their dispute it really doesnt matter. Im only filing this complaint as my last resort. Before seeking legal counsel. Because American Express is not following their purchase protection claims policy.
Product: Credit card

Someone applied for a Chase credit card using my information on XX/XX/year>. I called Chase and let them know that it wasnt me. I now have hard inquiries on my credit reports due to this application that was submitted without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I would like XXXX XXXX XXXX remove from my credit report
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name? 

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Product: Debt collection

I looked at my credit report and found Jefferson Capital as a collections account from XXXX. I never had XXXX before. They said I owe {$710.00} dollars. There was 3 other accounts that I didn't recognize and I disputed all of them and all of them got removed except this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( 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

I submitted a dispute to XXXX, Transunion and XXXX for an account that I was not familiar with. The account name is XXXX XXXX XXXX XXXX, and the amount is {$730.00}. Transunion completed their investigation and removed the account. XXXX and XXXX completed their investigation and advised the information was accurate. I spoke with XXXX over the phone and the representative stated that their investigation was concluded by the creditor XXXX XXXX XXXX XXXX XXXX ) who actually sent the account to them to place on my credit report, not by XXXX or a third party. I spoke to the creditor, and they could not give me any information regarding the account, other than it was sent to them by another company, and they would only accept payment. This seems to be a conflict of interest. Transunion was not able to find evidence that I had an account with XXXX XXXX XXXX. I also disputed an account with XXXX XXXX for {$200.00} that was on my credit report as a charge off, but it was paid with the original company. I did not have any business with XXXX XXXX. All three bureaus completed their investigation process and XXXX removed this account as it was not accurate. The remaining two bureaus updated the account as paid. None of the three bureaus have the same information. Neither of the above accounts should be on my credit report. I have attached the copy of the two disputes that were updated as mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

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

XX/XX/XXXX EXPERIAN XXXX XXXX XXXX Hello EXPERIAN, Recently I received a copy of my credit report and found several incorrect accounts. I am certain that these inaacuracies are adversely affecting my credit scores and costing me severe damages to my finances every year. 

Here are the accounts that I want verified as accurate US BKPT CT IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 120 DAYS LATE XXXX XXXX XXXX XXXX XXXX CLOSED ( WAS NEVER THE COSIGNER ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX CLOSED U S DEPT OF ED XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear and I demand these accounts be removed from all current and future credit reports. 

Also please send me the contact information of any individuals and or organizations you reached out to so I can follow up with them directly. 

I shall assume that 30 days constitutes reasonable time for your company to investigate these accounts. 

I believe that under Section 611 it is clear that your failure to investigate these accounts within 30 days constitutes a reason to promptly permanently remove those items from my credit report.
Product: Debt collection

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter
Product: Debt collection

I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under HP sears for XXXX in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!
Product: Debt collection

The Indiana Department of Revenue contacted me recently, claiming that I may owe back taxes from 2011. However, I was a resident of another state that year, and paid my taxes there in full and on time. I wrote back with a letter attesting to this fact, with my state tax return attached. Although I responded before the indicated deadline, my response has been mostly ignored. Instead, I received XXXX subsequent letters within about a month, demanding payment as part of a tax amnesty program by XXXX XXXX. Otherwise, I was warned that I would be subject to double penalties, civil, and criminal liabilities. Subsequent calls to the Indiana DOR after each letter acknowledged the receipt of my original response. However, it has gone unread to date, and thus failed to affect these collection efforts. 

I recently learned that XXXX letters like the ones I received were sent out to innocent people. Indiana 's government contracted with Navient Corporation, and agreed to pay them based on how much money they bring in : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and I saw for odd inquiry that says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that said XXXX XXXX miscellaneous. I dont know what is that and I cant get no info on that company when I tried to go on the website, this is my third time I try to inquiry and still not taken off my credit
Product: Student loan

On XX/XX/18 an extra payment of {$200.00} was submitted online towards my unsubsidized direct loan. With the payment was written directions to aliquot that payment as an extra payment and not a future payment to any of the loans. When my auto payment was made, the amount paid towards that loan was not the agreed upon scheduled amount of {$28.00}. Instead a total of {$6.00} was paid, {$2.00} towards the principal and {$4.00} towards the interest. When I emailed them to get this corrected they just sent me directions on how to set up auto pay. I already have auto pay in place. I called, waited on hold for 45 min with out talking to a rep. This occurs every time I make an extra payment. This means I am paying more interest on this loan because of this. Naviet is not here to help us pay off our student loans, they are XXXX  us every chance they get. In addition, I see the amount gets subtracted from my bank account, and then is not actually posted to my account for days after, and then gets back dated in the Navient history to match when the money was withdrawn to my account. I do not know if that interest occurred during that time of not showing the posted payment because they don't show when interest is added. I just manually figure it out each month, when I subtract what has been paid by the amount that was there last month. My balance on Navient does not match the balance amount on NSLDS ( National Student Loan Data System ). My naviet account shows I owe {$16000.00} and my NSLDS shows a balance of {$16000.00}. Why is there a discrepancy?
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Mam, Credit Control , LLC XXXX has been writing asking me to pay {$920.00} on or before XX/XX/XXXXXXXX XXXX XXXX  indicating my account will be considered resolved as a settlement. This type of letter was similar to what XXXX XXXX XXXX XXXX asked for in XX/XX/XXXX to pay {$3500.00} to settle my account. some disputes were made why my credit card was canceled. I tried to update my card to a current status. All attempts were made by me were denied. It was reported to wrongly to credit bureau said, I was the XXXX who requested cancellation. I decided to settle as to closed the account. It was agreed on both sides. XXXX XXXX  cancelled my credit card because my XXXX card expired and I did not know. After receiving my money order of {$3500.00} as requested and agreed on the contract letter enclosed, XXXX XXXX failed to give a good crediting rating and kept the my money. The {$3500.00} was not monthly bill. It was agreement. If they failed they should return my money. Credit Control claimed authorized to off settlement for a second time. It is not right and not fair to trust them second time requesting {$920.00}. I have sulfured lot of pains and headaches. It has been on several dispute since XXXX 

Enclosed/Attached are copies of settlement letter and money payment records, supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023, XXXX and TransUnion continue to report inaccurate items and accounts on my report. These accounts are not my accounts. I have disputed this information but XXXX has not sent me any documentation showing me how the accounts were verified These accounts have the wrong name and are not mine. I now have obtained legal counsel and have been advised to file another complaint for the record with attached documents that were received by XXXX on XX/XX/2023 via USPS certified mail. XXXX is now saying that I don't have enough credit to produce a " FICO '' score but still show these accounts on my report. XXXX also still displays inaccurate names and addresses on my report, despite being sent the proper information several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX Bank credit card balance not being updated to XXXX XXXX who declined to fix it. I received a report from XXXX in regards to something else to see that the info is still incorrect. XXXX XXXX continues to show this account over the limit when it is not and hasn't been for months. I want this item disputed by XXXX to XXXX XXXX to fix it!!! XXXX XXXX repeatedly refuses to acknowledge complaints or disputes from customers. I refuse to tolerate them ignoring mine! They along with XXXX are keeping my scores low for their own greedy, inept purposes. Neither party cares about accuracy of information or consumers as a whole.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$130.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

ATTN : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the NY State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.