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

On XX/XX/2021, I purchased 3 e-gift cards from American Express Gift Card Services totalling {$1300.00}. A few days later, American Express emailed me confirmation that they sent by email the gift cards to my three recipients. We are now 10 days later and my recipients have not received the e-gift cards. They checked spam/junk folders to no avail. On XX/XX/XXXX, I contacted American Express. I explained the problem and requested that they send me the e-gift cards so I can then forward them. They refused to do so and stated I would have to go in my account and change the recipient email. The implication was that I then would be able to resend. I went into my American Express GIftCard account. I searched under my orders. The search came back EMPTY. THe website stated that I had no prior orders. I called American Express GiftCardServices again, and waited another hour. I explained the problem to the agent, who claimed to be the supervisor. She stated, I needed to go back into my account and change the emails of the recipients. SHe either did not understand or she was programmed not to understand that this was not possible. She then repeated the same initial instructions. After going around a circle a few times, it became apparent that American Express had no interest or at least this agent had no ability to rectify this problem. In the meantime, I am mortified that it is past XXXX and my giftees have not received their promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been desputing an account with XXXX XXXX through Equifax, XXXX and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} Closed In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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  Bankruptcy XXXX ex XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a credit report alert that XXXX account had been updated to show a balance of XXXX dollars. I contacted XXXX bank because that information was inaccurate as I had made a payment in that exact amount on XX/XX/XXXX to bring my account to a XXXX balance and they reported on the XX/XX/XXXX as a balance of XXXX Additionally, they updated my report 16 days before my statement cut date. I sent them proof of the inaccurate reporting on my report and I received a letter that there was no error everything was reported correctly this XXXX me off that they are allowed to manipulate and lie and drastically impact peoples scores with the lies.
Product: Debt collection

Hi I am XXXX XXXX XXXX trying to build my credit but on my credit report it says I have an account with Midland Funding LLC since 2015 but in 2015 I was only XXXX XXXX XXXX so how could I have opened a credit account. My identity was stolen
Product: Credit card or prepaid card

I have been a long-time customer of Chase for 8 years plus. Perfect credit and never missed a payment on anything in my life. I received a notice that Chase is raising my interest rate on my Chase Freedom Card from 14.24 % to 16.99 % APR because my rate was lower than the current lowest offerings? So they are raising my rate just because they want to raise my rate not because of any real necessity. I'm being punished for having excellent credit, never missing a payment on anything in my life, and maintaining an account with Chase for 8 years plus. This was not a standard APR rate increase, it was an intentional rate hike of over 2 % just because Chase wants to squeeze as much money as they can out of their existing customers regardless. I called Chase to ask what the specific criteria was used for the rate increase on a customer that has never missed a payment and has been a customer for 8 years plus. Chase customer rep couldn't answer the question and gave me the run around. Why should anyone bank with a bank that punishes longtime customers just because they can get away with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX   XXXX XXXX XXXX   XXXX,
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days.
Product: Debt collection

XX/XX/2019 I received a letter saying I was being sued for a closed account.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, HI, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX
Product: Mortgage

The mortgage servicer, XXXX XXXX, is blocking a payoff. On their website it shows a balance due that includes the " second lien '' partial claim, and this is also shown on their statements. 
They refuse to show this on a payoff which leads me to believe that they do not want the customer to be able to pay them off. This also is an issue as it is a FDCPA and possibly a Reg X violation in terms of servicing the mortgage properly. 
In this case, the website shows a balance that includes the partial claim ( owned by HUD and serviced by Novad ). The statements show the same. The payoff does not. This leads to consumer lack of clarity on process and is not a correct display of information. XXXX XXXX shouldn't show the balance of the second in the total XXXX on their website and in their statements, but then choose not to do so on payoffs ( citing that the second is serviced by Novad and owned by HUD ). This seems like a scheme to continue to collect money while payoffs are delayed. 
Lastly, I see no notice in the workout package signed with XXXX attached that Novad would be servicing the second. This, indeed, is a workout package coordinated by XXXX and implies that XXXX ( now XXXX XXXX ) will continue to be involved in the second 's balance due. I received no notification from anyone related to servicing of the second until Novad provided a service transfer letter last week ( 4 weeks delayed into the payoff request process ). My selling and purchasing transactions are now in jeopardy as the payoff from Novad has not yet been supplied.
Product: Checking or savings account

Navy fed lawsuit : I am writing to file a complaint against navy federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged a fee due to lagged postings of charges and credits. This issue aligns with the CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Bank account or service

On Monday XX/XX/2016, I call Chase Manhattan Bank to stop a Check that I gave to a XXXX, but the XXXX did n't do the Job, after try to contact the XXXX several times without answer, I was trying to stop the payment, and confirm that the check was no cash, When I call the bank the associate confirm that the check was not cash and I gave him the information of the check I was not at home so I only had the XXXX XXXX numbers of the check number but I had the the amount of the check {$6700.00}, and the name of the company ( On the check ) the associate said that the information was enough to stop the check, but besides that Chase Manhattan cash the check. I said several time to the associate if the information was enough and he said yes. Beside that when the check arrived Chase cashed the check and tried to blame me for that, they were not allowed of cash the check after I stoped the pay of the check.
Product: Credit card

on XX/XX/XXXX I received a XXXX from BMO Bank NA, XXXX XXXX XXXX XXXX XXXX SD, XXXX. I contacted the BMO Bank Fraud department and let them know that I have no relationship with BMO Bank and I did not open the account which is in my name and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The said the account was closed and BMO would do a internal investigation. BMO said that its appears to be identity thief and I also contacted the US Identify Thief, gov web site and used their tool kit to request my credit reports from the 3 major credit companies. I also file a police report with the local police sheriffs department. I requested from BMO what was the details on the account and they refused to provide that information. On XX/XX/XXXX I received a letter from BMO Bank fraud department that their internal investigation was complete and they found the account to opened properly. Again I have no relationship with this bank now or ever in the past. The requested additional information from me which would provide additional personnel details on my identity, I refuse to send anything to them as I believe they are part of the scam and should be shut down. My concern is someone is trying to use the card in and I'm getting notices that their insufficient funds so the requests have been denied, but I'm responsible for the bank services charges on an account I never opened. These letters have been coming in from XX/XX/XXXX up to the present day. I have contacted the Florida State Attorney General Office who recommended to contact you. I want verification that BMO has closed this illegal account associated with my name and company 's names closed and I'm not responsible for any charges.
Product: Debt collection

I am writing to dispute the following information in my file : <Item 1 : FEDLOAN, Federal college loan opened XX/XX/XXXX <Item 2 : US department of Education , College loan opened on XX/XX/XXXX. 

The items I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that these items be <deleted / adjusted/removed from my credit history> in order adequately reflect my true credit history on the attached report. 
I am asking you to reexamine these items and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
Product: Credit card or prepaid card

I recently received a {$100.00} settlement check from Citibank. This check was a refund for the credit protection plan that I purchased. When I tried to use the credit protection plan, i was denied. This denial has cost me thousands of dollars and a lot of stress. It ultimately resulted in garnishment against my wages. I do not want to accept this settlement, which looks as if it was initiated by CFPB. I have contacted a lawyer and we need to know if this settlement is my only means of recourse -- i.e. can I bring about a lawsuit on my own. 
I have not and will not cash that small sum. The shame, embarrassment, strife and stress that has been caused in my life are worth more than a {$100.00} reimbursement of payments made. 

After being denied usage of the consumer protection plan that I paid for -- for years, I contacted a credit counseling agency. Every credit card I had accepted the arrangement -- except Citbank. As noted on the attached file, after contacting consumer credit counseling, I made payment arrangements with Citibank. Instead of those payments being applied to the account ... a partial deferred action was placed ... so I was paying {$300.00} plus a month and nothing was being taken off of the account. I fell behind and couldn't pay.
Product: Credit reporting or other personal consumer reports

Capital One electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. Capital One admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. Capital One has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over XXXX months now. Yet having no proof or authority, Capital One continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The XXXX states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section XXXX. The XXXX requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under XXXX Section XXXX ( a ) If the party does not sign, the party can not be held liable. Capital One need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing Capital One is not attempting to collect on an account that is already paid & written off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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 : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants 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. 

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into XXXX XXXX  and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts. 

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

They have messed up my credit, how is it possible for my credit score to go from XXXX points to XXXX points and I have no outstanding debt. I have been targeted unfairly and unjustly. 

Please delete and remove all closed accounts, late payments and loan accounts, that are not valid from my credit report. 

Best, XXXX XXXX.
Product: Mortgage

My original loan was with CMG, I made two payments one on XX/XX/XXXX ( XXXX payment ) and the other on XX/XX/XXXX ( XXXX payment ). When my account was transferred to XXXX, my account showed that I had a past due balance for XXXX, which I didnt understand why. I called XXXX with my concern and the XXXX stated that transfers usually take a minute and I should see the payment reflected on my account by XX/XX/XXXX. I waited until then and rechecked my account and the payment still hasnt been applied. The payment XXXX received, is the payments I made directly. First payment made on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). But my account is still showing I owe a XXXX payment. I have been calling both CMG and XXXX since the XXXX of XXXX and nothing has been done. I have been getting the run around, XXXX company telling me to call the other company and vice versa. I have also been charged a late, for what I dont know. I have not been late on my payments at all. This has been the worst experience dealing with these XXXX companies. CMG is the hardest company to reach by phone, the most answers I have gotten has been thru email. When I call XXXX, I actually get transferred to XXXX, then Im back where I stared, absolutely nowhere. Nothing has been resolved and now my loan has been transferred a third time. So what do I do now?????
Product: Credit reporting, credit repair services, or other personal consumer reports

After removing a false collections claim from XXXX XXXX from XXXX and XXXX, Equifax has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX  ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. 

I called XXXX and paid immediately. On XX/XX/2022. A whole month before XXXX XXXX deadline. I have sent Equifax on 3 separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. XXXX XXXX is falsely reporting this debt and it is negatively effecting my life. 

I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to XXXX XXXX, but would. However it would take 60 days for it to reach XXXX XXXX this was on XX/XX/2022, it is now XX/XX/2022. 

I will note that the nature of the debt was XXXX dollars and some change and XXXX dollars for two cable boxes, you will see on the statement credit of XXXX dollars, XXXX informed me if the missing cable boxes were returned they would refund the XXXX I paid to them, which they did. 

Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
Product: Credit reporting or other personal consumer reports

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

4. 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 thef XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
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. 

XXXXXXXX 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, 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: Debt collection

Statue of limitations have passed : called the credit card company have no idea of what I was talking about. Not on my credit report. I advised them not to touch my bank account or that will be a theft, no idea what they were taking about from 2006