23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express mailed me an offer of XXXX bonus Delta Skymiles if I applied for a card. The offer had my existing personal Skymiles number referenced on the offer. There was a website link on the offer XXXX, however a few days after I got the mailed offer, XX/XX/XXXX I was on XXXX 's website purchasing a ticket and prior to finalizing my purchase, an American Express offer to apply was presented. This offer appeared to be for XXXX miles but I remembered the offer I had gotten in the mail, and applied ( with the assumption that my Skymiles number would, both on the mailed offer and on my XXXX account, would internally honor to XXXX miles offer ). When I got my card, I noticed the disclosures only referenced the XXXX miles and immediately called the customer service number and asked Amex to honor the XXXX miles offered to me on the mailer. I spoke with a gentleman named XXXX and was told that because I did n't apply on American Express 's site, that it was not the same offer. He said I could apply again and close the card I had just gotten. I said that I 'm not going to have another inquiry on my credit bureau when you or someone with authority should simply be able to internally code my brand new card with the better rewards offer, and if they were n't willing to do so I did n't want to even activate the card and would close it. Also, the website on my mailed offer was clearly a XXXX website ( XXXX ), not advertised as an American Express website, so he asked me what the code inside the mailer was. I gave him the code XXXX, which he confirmed was a XXXX offer code. There was no where for me to enter a code on XXXX when I did the application when purchasing my ticket, but again, I figured since they marketed me through my Skymiles number, it would honor the better offer. At this point I was told a resolution ticket would be opened and that it should n't be a worry that they would go ahead and honor the better offer. The resolution code they gave me was XXXX. American Express is supposedly renowned for their excellent customer service so I had no doubts that common sense and service would prevail, however, 6 weeks later I still am waiting on a resolution. I called back, spoke to a manager named XXXX and was told the case was not resolved but the odds were I would not get the additional XXXX miles because I had n't applied through the correct channel to begin with, but to call back in a few more weeks. I was being given the same excuse all over again. To me, this is misleading marketing and advertising and I would like a resolution that results in the additional XXXX miles to be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX SER Date of Inquiry XXXX  & XXXX  Date of Inquiry XX/XX/
Product: Credit card or prepaid card

I am a cardholder of Chase Sapphire Reserve credit card, which provides Trip Cancellation/Interruption Insurance. Earlier this year my wife has an accident and had to take a XXXX, thus we have to cancel our family trip which we booked through Chase Travel Portal. Later on we filed a claim with Card Benefit Services who handled Trip Cancellation Insurance for Chase. But it has been 2 months since I started the claim and provided all required document, the case status is still pending, and it is VERY HARD to get any update from them. 

Timeline : XX/XX/XXXX. Booked a family trip ( non-refundable ) through Chase Travel Portal on XX/XX/XXXX XX/XX/XXXX. My wife had an accident. 
XX/XX/XXXX. My wife had a XXXX. The doctor did n't recommend any travel, so we had to cancel the trip on XX/XX/XXXX. 
XX/XX/XXXX. Submitted the claim ( case # : XXXX ) and uploaded certain documents on their website ( XXXX XXXX XXXX ). Card Benefit Service emailed me to ask me to provide additional documents. 
XX/XX/XXXX. Sent additional documents by email to ( XXXX ). 
XX/XX/XXXX. No response. so I re-sent the documents and explanation by email to ( XXXX ) XXXX/XXXX/XXXX. Still no response. So I sent one more email to ( XXXX ), asking about the status XX/XX/XXXX. Got email reply " If you attached documents for your claim, your examiner will contact you within 5 business days. '' XX/XX/XXXX. I updated all the documents again on their website under my claim. 
XX/XX/XXXX. By end of day, claim status still shows " You claim status is pending because the documentation listed below has been requested or we have recently received your document and are currently in the review process. Kindly allow 5 business days from our receipt of any documentation for review to advise you of the next steps. '' Note : Ever since the beginning, Card Benefit Service promise to get back to customer claim within 5 business days after submitting documents. But in my case, they never did.
Product: Debt collection

I have reason to believe that NATIONAL CREDIT ADJUSTERS is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1500.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of NATIONAL CREDIT ADJUSTERS or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX  '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 


15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Product: Credit card or prepaid card

I've been calling for days to dispute a charge on my Comenity Bank ( XXXX XXXX ) credit card. The last time we used this card was in 2017. I have not been able to speak with a rep about disputing the charge, I'm on a never ending hold. I've spent over 4 hours, and all agents are busy message. I tried going online to resolve and the XXXX link for Comenity Bank ( listed on my bill ) doesn't work. When I go to Comenity Bank and try to navigate to XXXX  XXXX I receive a 404 error. 

This happened last year, someone intercepted a coupon in the mail from XXXX XXXX. What's unbelievable is, my XXXX XXXX credit card # is on the actual coupon. What kind of security is this? Assuming someone at the store would ask for an ID. After finally reaching someone at Comenity, they agreed this is a known issue and " has happened more than a few times before ''. Also, please review the attached file, only the last 4 digits of my account # are listed on the top of my bill. If you go to the bottom, my full account # is visible should someone intercept my mail. The card does not have an expiration date, CID, or chip to protect consumers. My card was cancelled after another hour on the phone, so Im not worried about sharing my card # with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan

Loans by Phone a subsidiary of Check Into Cash deposited a {$300.00} loan into my checking account on XXXX XXXX, 2016 without my authorization. I never applied for a loan from this company. If any interest is taken out, I will pursue fraud charges against this company. My bank has already been informed of this situation, and the account will be cancelled when Check Into Cash debits my account. As I am currently in a chapter XXXX bankruptcy, I am also informing my attorney about this fraudulent activity.
Product: Checking or savings account

PNC bank after acquiring BBVA has been inefficient and late in their proceses. After a long process for processing an incoming wire transfer during XXXX, they caused more than XXXX usd in NSF fees from Other banks. I wrote letter complaining and took out all the funds from the account. Now they want to charge XXXX and are not allowing to close the account, and keeping the bad service shown.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please  provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts include : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX BANK, XXXX XXXX CARD accounts, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported 5 months of over 30 days late payment and that was not true. I was in forbearance for exactly XXXX year and i was assured time and time again that forbearance would not reported as late payments. I was never ever late on a payment before or after the forbearance. Yet they have destroyed my credit by their erroneous reporting.
Product: Checking or savings account

Received a debit card from capital one. I never opened an account. The phone number associated with the fraud account XXXX. Capital one closed the account.
Product: Debt collection

There is an old account still showing I owe and I settled and paid it. The credit bureaus are not complying. Please help
Product: Checking or savings account

Dear CFPB Representative, I am writing to file a formal complaint against navy federal credit union regarding the continued withholding of my funds, which totals {$10000.00}. These funds have been held in my account for approximately three years, and despite my numerous attempts to resolve the issue directly with the bank, I have not received any satisfactory explanation or action toward releasing my money. 

I initially deposited the funds in 2022 and since then, I have encountered repeated delays and a lack of communication from navy federal I have followed up multiple times via phone calls, emails, and in-person visits, yet the issue remains unresolved. This prolonged delay has caused significant financial inconvenience and stress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter promptly. I believe that my rights as a consumer have been violated, and I am seeking your assistance in ensuring that navy federal complies with applicable laws and regulations regarding the proper handling and release of consumer funds. 


Thank you for your assistance. 

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

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to Equifax as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.
Product: Credit card

GAP employees were giving false credit check information in order to convince customers to open store credit cards. My credit score is affected negatively and I have no way of reversing the credit inquiry. 

I had a Banana Republic credit card I opened years ago while in college. Recently when I was making a purchase at Gap on XXXX/XXXX/15, a sales rep ( cashier # XXXX, store # XXXX ) looked up my account using my social security number. She informed me I could use that old account WITHOUT having a credit check. I doubled checked with her XXXX times to make sure there would not be a credit check. Nine days later on XXXX/XXXX/15, I received a brand new Gap card in the mail that stated I have been a customer since only 2015. I called the Gap credit card number and found out to my surprise that my credit did get pulled for a brand new Gap card! In fact, I would never have agreed to have my credit pulled for a new credit card under any circumstance as we are in the process of buying a new home. I tried speaking with a customer service supervisor and was told the wait would be hours to get one on the phone. I said I would wait and was told by the representative XXXX that her supervisors " came over XXXX '' to inform her I have to call back in the morning to ask to speak with a supervisor. She said the best she could do was close my account, without promise of any reversal in my credit pull and the negative effect on my credit rating.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate XXXX XXXX / Account number XXXX