23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened my BOA credit card in XXXX. I always paid my bill on time. After receiving a notice from XXXX XXXX that something had changed, I checked my credit report and discovered my BOA account had been closed. My credit score had also plummeted XXXX points. 

On XX/XX/XXXX, I spoke with 2 representatives. The first representative was completely unapologetic and informed me that I had been sent 3 emails : one in XXXX, XXXX, and XXXX. When I looked I found 2 emails in my spam folder. She said there was no one else I could speak with. 

That same day, I called a different number and spoke to a representative. She said there was no one else I could speak with but that she would send my complaint to someone and I would receive an email response withing 24 to 48 hours. 

In this digital age, it is totally unrealistic for a company to think that emails are sufficient when systems can tag those emails as spam. I receive credit card offers from BOA every week, but they couldn't take the time to notify me by mail that they were closing my account due to inactivity. My account was XXXX XXXX XXXX and the closing of that account reduced my credit history and caused my score to XXXX When I looked on my credit report at the reason my account was closed, my credit report said it was closed at my request. This reason they closed it as reported is a lie. Plain and simple. I NEVER requested they close it. 

This business practice is no longer being practiced by other credit card companies. I have received other letters over the years and those accounts were not closed because they effectively contacted me by mail. 

This is an unfair business practice that needs to be stopped. My credit report is now damaged and I have no recourse but to report my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a loan was told by the lender my account was not showing and there was no information on my account. I contacted the reporting agency and they claimed it was nothing but when I check again they claimed it was still not working or reporting. I attempted to contact the reporting agency and they have no reason why the merchant cant open my credit file.
Product: Debt collection

I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.
Product: Credit reporting or other personal consumer reports

there are unauthorized inquires on my credit file that someone attempted to do with my personal information. Please remove these from credit report. 


XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a British Airways Visa credit card from Chase. One of the benefits of this card is that I get a free companion ticket when I spend a minimum of {$30000.00} on the card within a calendar year. This is called the " Travel Together Ticket ''. It is good to any destination that British Airways flies and in any class of service - the same class that the primary ticket is purchased on. I do have to pay taxes, fees and carrier charges on the companion ticket. 

I have a BA Chase Redemption Voucher for a companion based on spending {$30000.00} on my BA Visa card. I went to the British Airways site to book my travel in Business Class to XXXX from XXXX XXXX, returning at XXXX, XXXX using my voucher. The total cost quoted was {$13000.00} WITH the voucher + XXXX XXXX points ( British Airways frequent flyer points ). I then went in to the British Airways site and, WITHOUT trying to redeem the voucher, just booked two tickets in business class on the same dates. The total cost was {$10000.00} and that is also WITHOUT using any XXXX points. 

How can the cost with a free ticket voucher be MORE EXPENSIVE in DOLLARS AND FREQUENT FLYER MILES than a person off the street just buying two tickets directly? And that too, it is SIGNIFICANTLY more expensive. 

I reached out to both British Airways and Chase to lodge a complaint. British Airways responded with a general message of apology saying that they had passed on my complaint to the concerned department. That was on XX/XX/XXXX. and I have not heard anything since. 

I called Chase customer service on XXXX XXXX XXXX and complained that the promotion that incented me to get the card was a Chase promotion and that the information was misleading as I was now having to pay MORE with my free ticket voucher ( after spending {$30000.00} in one calendar year to meet eligibility for the voucher ) than without it. They said I would have to resolve this issue with British Airways but at my insistence offered to send my complaint to their Marketing department. 

I received a letter from Chase dated XX/XX/XXXX saying " Please contact British Airways to help you with your concern about the Travel Together Ticket. '' I request you to help me as this promotion from Chase is totally misleading and fraudulent. 

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

I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.
Product: Debt collection

I never signed up with XXXX, XXXX XXXX, or should i be harrassed by Jefferson Capital. First I have been robbed and have police report to show it and then again during the pandemic I was robbed of my information and reported it to all parties and charge is fraudulent unless they can prove otherwise. I demand all charges be immediately removed and my credit score raised effective immediately! I also demand you cease and dismiss from all calls and communications to my families.
Product: Money transfer, virtual currency, or money service

Paypal has denied claims in the amounts of XXXX and XXXX for item ( s ) not received. I have disputed the two transactions which took place on or around XX/XX/XXXX from a " XXXX XXXX ''. The person was supposed to send two videos, failed to send and stopped replying to messages via XXXX messenger. As I've explained to numerous Paypal reps and again here, lots of scammers use XXXX messenger to facilitate and run their scams as is the case here. Paypal claims to have received " evidence '' of sent items, one Paypal rep referred to a tracking number which he did not provide and is bogus. The items were supposed to be delivered via email or text, there is no such tracking number which would show something sent either way, text or email. Paypal refuses to do to anything and refers back to bogus evidence, they also refer back to account ( s ) which are not mine. They insist I had an account in XXXX, it appears to be someone with the same name, possibly a relative. Paypal has been sued in the past with regard to their transactions, please refer to XXXX v Paypal in which they settled for claims denied. I have forwarded information to attorneys in that case. They need to refund the charges or they will continue to receive complaints.
Product: Credit reporting or other personal consumer reports

This message serves as a follow-up to draw attention to the outstanding matter concerning my credit records. I had previously requested TransUnion to remove a recent fraudulent inquiry. I'm simply ensuring that this inquiry will indeed be removed when I update my credit report within the next 15 days : TRANSUNION : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Derogatory Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) XXXX XXXX XXXX XXXX ) XXXX ( New ) XXXX ( Deleted ) Late Payments ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Inquiries ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Creditor XXXX XXXX XXXX XXXX  New Type Of Business : XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXXXXXX XXXX XXXX New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXXXXXX XXXX  New XXXX Of Business : Credit Bureau Inquiries Date XXXX XXXX : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : XXXX XXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you TRANSUNION, XXXX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report regarding a closed XXXX XXXX account. The account in question was closed ; however, I have recently discovered that the reported balance has increased. This information is inaccurate and must be removed from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that the information they report is accurate and verifiable. The erroneous reporting of an increased balance on a closed account is a clear violation of my rights under the FCRA. Because this account was closed, no further charges should have been added, and the balance should not have changed post-closure. 

I request that XXXX XXXX investigate this matter promptly and provide evidence verifying the accuracy of the reported balance. If no such verification can be provided, I demand that this inaccuracy be deleted from my credit file immediately. I have also sent copies of this letter to the credit bureaus ( Experian, XXXX, and XXXX ) requesting an investigation. 

Enclosed with this letter, I have attached copies of my credit report highlighting the erroneous information, as well as any supporting documentation related to the closure of the account. 

Please provide me with written confirmation once the inaccurate information has been corrected or deleted. If XXXX  XXXX fails to correct this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies if necessary. 

Thank you for your prompt attention to this matter. I would like for this to be deleted from my credit report.
Product: Checking or savings account

Citibank clearly offered a {$200.00} " sign up bonus '' ( a promotional bonus ) if {$5000.00} or more was deposited in a new account after 60 days /some amount of time. I fully complied with these terms, and twice a citi representative assured me i'd get my XXXX $ bonus. The first one said early XXXX, and when it didn't occur, i contacted citi and the customer service representative said XX/XX/XXXX ( i have an chat string showing these ). Today when i contacted a citi representative I was given a run around, and then told that the promotion was for a minimum of {$10000.00} and i could contact their " promotions team '' if i had any further questions. Citi is running a bait and switch fraud on innocent consumers, including myself. I complied with every part of their promotion and twice their own employees confirmed i qualified, i have a cut and paste of the promotion i clicked on, clearly shows {$5000.00} deposit qualifies for a bonus. Citi is using fraud and deceit to trick people into opening and funding new accounts and then refusing to give them the promotion /sign up bonuses that they have promised ( with clearly no intention of actually honoring these ).
Product: Student loan

I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car with XXXX XXXX for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX Equifax, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXXXXXX XXXX XXXX, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Product: Debt collection

I have asked for them to send me proof of the debt and they have refused. They will not even send it via XXXX Signature requested. I believe this debt is not mine and they will not prove it but has harassed me via mail and phone and now threatening me with a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX X Account Type Installment Loan Date Opened XX/XX/XXXX
Product: Mortgage

I have overnighted on my account a cashiers check for XXXX I also listed instructions on how it should be applied and the fees I am disputing due the incompetence of BSI. They were charging fees with no explanation. Claiming I owed XXXX which I did not and my account should be fully reinstated which it is not as well as of yet. The check was signed for on XXXX/XXXX/16 and I requested my SPOC XXXX XXXX contact me and he has not. There should be XXXX lawyer fees as I appealed the loan mod denial and they claimed I did not and illegally filed a NOD violating CHBOR. Stated I had excessive obligations yet I was able to pay this did not offer any other options and were not thorough on how they are handling things. These violations have been taken to attorney. BSI is illegally handling loans and I have been proving it. Everything is also now being sent to FDIC as well as copies of cashiers checks to XXXX whom they claim I owed nonsense money too. XXXX actually owes me for excessive forced place insurance which was proven in lawsuit already. BSI needs to rescind the NOD immediately and have yet to do so. I am attaching copies of check and letter.
Product: Prepaid card

US Bank Executive, XXXX XXXX, is on the XXXX XXXX ( and has been for several years prior to these cards ) for Step Up for Students. Now, over XXXX Florida families are being blocked from utilizing our childrens educational scholarship funds without utilizing a US Bank issued and controlled card. This card deal was made to replace the already existing system of Step Up for Students gathering families bank information, and directly depositing funds into their accounts. Now, we are being coerced into opening a US Bank account, fees and all, on a scholarship that by FL law should not have fees attached. 

There are no physical branches in the state of FL, no way to electronically send funds from this card to our accounts. Instead, we must now bank at XXXX across the state. 

With the added information of being required to fax and mail in our XXXX and XXXX, this is a recipe for disaster.
Product: Student loan

American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. 
XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.
Product: Debt collection

On XX/XX/2016, American Express reported on my credit file a delinquent charge. During this time, I was experiencing a serious illness which led to hospitalization and XXXX. As a result, I fell on hardship, as well as charges being made on my account that the creditor has not been able to verify. Can you please assist me in this matter of helping to restore my credit.
Product: Credit card or prepaid card

On XX/XX/2018 I purchased an item I saw on the XXXX XXXX show on the XXXX Network, she airs daily in XXXX at XXXX XXXX and has deals on items for XXXX viewers. The product arrived defective we spent {$100.00} for a beauty cream. We put it on our XXXX account using the Discover Credit Card attached to the account. The merchant never returned phone calls or emails or texts and a text we got was written in computer symbols and jargon. XXXX XXXX was extremely uncooperative and finally gave me the address they had for the merchant so I could return the item. I questioned why the item came from XXXX XXXX XXXX and why the address they were giving me in Florida was to an individual with a strange sounding foreign name that could not even be pronounced. XXXX XXXX claimed that this is all they have for this company. And XXXX XXXX will not refund us until the merchant receives the package. I sent the package by XXXX   and have a tracking number ; for over XXXX days the package is in transit going from one postal station to another. Evidently this individual can not be tracked and is running a scam and may have left the country. Discover Card will not issue a refund for this item to us. We have filed fraud dispute with them and are giving us the run around and scripted speeches from them. We sent the item by XXXX and have provided the tracking number to Discover we have done all that we can do on our end and therefore it is up to Discover to issue us a credit for this fraudulent purchase And they re not doing it.
Product: Debt collection

i was sued and garnished by XXXX XXXX thru XXXX, XXXX  and XXXX. garnishment started on XX/XX/XXXX. for the amount of XXXX court cost of XXXX and sheriffs fee of XXXX for a total of XXXX they made me pay XXXX 
my balance was paid in full the last payment of XXXX on XX/XX/XXXX. my credit report was XXXX balance from them. then on XX/XX/XXXX they added a balance of {$880.00}. saying that i still owe them money.. these people are ruthless to say the least. i need help clearing this up please
Product: Credit reporting

collection/ charge off from the state of XXXX XXXX account went delinquent in XX/XX/XXXX with the state of XXXX. made payment arrangements but never regained current. XX/XX/XXXX account transfered to state of XXXX and refuse to remove and correct the origional delinquency date of XX/XX/XXXX and origional creditor.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.