23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

So this is for the jet blue card. Ive had over XXXX points on the card and i went to make a purchase for a flight going from NY to FL. The day XX/XX/scrub> 2025 i went to make to purchase my points went from XXXX to XXXX now i have about XXXX points. So i used what ever i had to save the flight cause i need it for XX/XX/scrub> 2025. I went to the their customer service team for both barclays and jet blue and both teams were blaming each other for the fact that over night i lost all XXXX points and couldnt use them to book my flight. I got the card just for this vacation i saved every amount of it just for this vacation. I asked them numerous times throughout the weekends to see if they can give me my points back and apply them to the purchase of the flight and they will not help. They told me to wait and than call back to see what they could do. Other reps said i would have to rebook and pay EVEN MORE money or points to get my flights taken care of and they only gave me back XXXX points as of today XXXX/XXXX/2025 i need help and i feel like im going in circles this was a huge issue on their end and i tried to work with them and the escalation team for jet blue doesnt even read the messages 90 % of the time or help in the slightest and just blame me for the points being taken away when they have no history of me redeeming points outside of the XXXX i used to lock in my tickets. Please help me.
Product: Credit reporting or other personal consumer reports

Violation of cease and desist 15 U.S.C 1692c ( c ) of the FDCPA. Absolute resolutions investments , LLC . Stated in the below statement that XXXX XXXX reached out to me which is a clear violation of my cease and desist that is currently in place. Please review the below statement from ARI, LLC.

Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX ( Consumer ) on XX/XX/XXXX, wherein Consumer complains that ARI has not yet provided validation. ARI has performed an investigation and is closing this complaint with the following explanation. On or about XX/XX/XXXX, the account, currently bearing number XXXX was issued to Consumer, SSN XXXX. The account terms and other documents are in ARIs possession. The terms of the account allow XXXX XXXX XXXX XXXX and its successors and assigns to report this account to the credit bureaus. The last payment in the amount of {$440.00} was made on or about XX/XX/XXXX. Consumers account was charged off due to default on XX/XX/XXXX. At the time of the charge off, the amount owed was {$10000.00}. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX sold Consumers account to ARI. At the time ARI purchased this account, the balance was {$10000.00}. Consumer was given notice by XXXX XXXX XXXX XXXX of the assignment of the account and the balance due. Shortly after the assignment, ARI sent a letter notifying Consumer of the assignment to ARI and its internal account number XXXX. This account was just recently acquired by ARI. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, ARI is closing this complaint.
Product: Credit card or prepaid card

There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they  agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : 0,  REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information.

1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Equifax reported that 8 different corporate and financial institutions  made a hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with each individual entity as well as with Equifax and they never removed the inquiries. These inquiries and Equifax 's neglect in mitigating the problem significantly and negatively impacted my credit score.
Product: Mortgage

I did a application for a program in my city l was Denied because of Liens on my property since XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  took over mortgage XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX was not excepting payments lawyers did a modification Specialized loan servicing mortgage Since XX/XX/XXXX l have been making monthly payments with Shellpoint mortgage l am requesting loan release
Product: Debt or credit management

XX/XX/XXXX clear one advantage offers to help reduce debt and stop high interest rates, and said able for them to help you have to at least have XXXX thousands in debt. So I send them credit cards debt XXXX XXXX  and a home credit debt for home improvement loans. Within 3 days they accepted both debt and inform me to close bank account with XXXX XXXX  which both debt was for, open an new account with different banks. So in XX/XX/XXXX I did just that. They sign me with XXXX  account to take money out of my checking account every month while they negotiate with bank to reduce debt. They stay I. Touch monthly letting me know they where still working with XXXX. So in XX/XX/XXXX they inform me that they got an offer on one of the debt and ask me to increase the withdrawal so I would have more money build up so I did they also said this for the credit card XXXX XXXX  and still negotiate with the home improvement credit. But on in XX/XX/XXXX I start getting foreclosure notice in the mail, so I call clear one advantage and ask what was going on! They said not to worry and disregard notice, so I did. And a copy days later someone came to my home and taped a notice on door about foreclosure about to take place in XX/XX/XXXX, once again call clear one advantage again they said take pictures and seen it to them and they would have lawyers look at them so I did, and next day they said it was not a court order so disregard, 2 days later more attorneys documents and threats to put me and my son out of my home and house going up for auction in XXXX, call again clear one advantage and they said that, that what third-party do. So on XX/XX/XXXX clear one advantage call me and said the debt for home improvement credit couldn't be reduced because of its like a home loan and there was nothing they could do! I cry and pleading with them to help me because I XXXX and my son is XXXX and have no where to go! They said sorry and hang up phone had to get foreclosure attorney and out of XXXX XXXX  so clear one advantage cost me an extra XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau violating The Fair Credit Reporting Act ( FCRA ). They have failed to thoroughly investigate errors. I have sent documents proving errors and disputed again. The account is not closed and is current.
Product: Credit reporting or other personal consumer reports

The student loan is on my credit report and it is not suppose to be
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted my ftc report as well as other documents asking for a verification of debt and to also have several inquiries removed. I have been calling back and fourth regarding having these items removed pursuant to 15 usc 1681 stating all unverifiable information must be removed. They have not complied with the removal of these items but also state they havent received the documents in which I sent us postal service certified mail and I still have the receipt
Product: Debt collection

I was in a debt consolidation program I thought these were taking care of the calling my work, threatening letters the millions of calls is ridiculous
Product: Mortgage

XX/XX/XXXX my Home Equity Credit Line draw period ended. 

I am now in the repayment period and must make {$1000.00} monthly payments. 

In XX/XX/XXXX the creditor increased my monthly installment agreement payment from {$1000.00} to {$1300.00}. 

I can not make the new monthly installment agreement payments due to reduced income and financial hardship. I must make additional {$500.00} monthly payments on a XXXX XXXX XXXX  Home Equity Credit Line. As such, I do not have enough monthly income to pay all required monthly necessary living expenses. 

I tried to get a new Home Equity Line of Credit and a Home Equity Line Modification to resolve this matter but was denied. 

I have paid all original Home Equity Credit Line amounts down from {$180000.00} to {$100000.00}.
Product: Checking or savings account

I have been a Bank of America customer for many years. I have excellent credit score and rating and have always been very responsible in my finances. On Saturday XX/XX/2019 I logged onto my Bank of America checking account to pay a bill and found some unauthorized XXXX transactions ranging from {$450.00} up to {$1000.00} withdrawn from my checking account. The unauthorized transactions began on Friday XX/XX/2019. I called Bank of Americas customer service number immediately to report the fraudulent activities ; however, their customer service number was closed on the weekend. I had to wait until Monday XXXX to call and report it. In the meantime, money continued to be withdrawn on the weekend and on Monday XXXX. A total of nine withdrawals were done through XXXX transactions on from my checking account and totaling in the amount of {$6500.00}. I had to call during work and was on the phone for about two hours being on hold and talking to the agent. I answered all their questions honestly and reported exactly what happened. Bank of America then froze my account and said they will be investigating the claim. While my account was frozen, all the autopay and checks I've made came back to me as non-sufficient funds. On top of all the fees that incurred, I also could not access the money in that checking account to pay bills. After waiting about a month and not hearing back from Bank of America, I called to check on the status of the investigation. I was then told that they had closed the case. I asked why and why was I not informed of the decision. They said a letter was mailed but I had never received the letter. They then informed me the reason was the transfers were made from the same device that was made in previous transactions. I did not agree with the decision because I believe that my computer was compromised with malware and asked how to reopen the investigation. The agent said I need to get my virus protection company to prove that there was malware on my computer. I also asked for the claim letter to be resent and e-mailed to me. 

I contacted XXXX and had them checked my computer and they did find some malware that infected my desktop. I called Bank of America to check on the status of the letter that I still have not received. I also stated that I had my computer checked but they then said it was my phone that was compromised. I then asked how to check whether my phone was hacked. The agent then informed me to go to my cell phone provider and asked for a " spoof and compromise test '' on my phone. I immediately went to my cell phone provide to get my phone tested. However, no one at XXXX, my cell phone provider, have heard of the test and refused to even talk to me about it. 

By then, I felt like I was given the run around by Bank of America and by XXXX. I then filed a police report and any agency I can find to complain and see if there is any one in the same situation who can help. I finally received the letter about the investigation on the claim only after calling many times and requesting for it.
Product: Other financial service

After purchasing our second home, we were solicited by Nationwide Biweekly Administration , Inc. and offered a lifetime membership with them for a fee. They were to provide a service that paid our mortgage bi-weekly promising to payoff our 30 yr mortgage in 23.9 yrs. They also promised to conduct an annual audit of our mortgage company 's accounting for our mortgage yearly, upon our request, AFTER the anniversary date ( XX/XX/XXXX ) each year. Having XXXX homes, we agreed to sign up for both our mortgages on XXXX/XXXX/14. As the first year of service was approaching, we began getting bombarded with notices that a third party bank would no longer do business with them and through no fault of their own, they temporarily could not continue to provide services in accordance with our contracts and they could not refund any portion of the fees ( {$740.00} & XXXX ) b/c it is a lifetime membership. Attempts to contact the company were not successful. We began getting & continue to get further solicitations for another product they offer called XXXX XXXX XXXX and these advertisements compare the savings of their XXXX XXXX program, costing {$2600.00} to {$4900.00}, to their biweekly program and they state the biweekly program only takes 4.2 years ( 50 months ) off the term of the mortgage. The original solicitations in 2014 for the their biweekly program stated the program saved 6.1 yrs ( 73 months ) off the term of the mortgages. The current offers for the XXXX program starts with, " We hope to have your biweekly program reactivated soon. '' then it ends with saying they will give us credit for the fee we paid for the bi-weekly program to be put toward the fee for the XXXX program ( {$2600.00} to {$4900.00} ). This is fraud and this company is getting away with ripping off a lot of people.
Product: Debt collection

My ex-boyfriend called XXXX XXXX to schedule appointments for my children whom I am the primary custodial parent. He never took the children to the appointments because they live with me. I did not know the appointments were scheduled and as a result i was charged no show fees of {$50.00} each. I never authorized XXXX XXXX to see my children or make appointments without my consent. Additionally I was charged {$50.00} I believe for medical records that were never faxed to the other medical provider nor do I wish to have the medical records sent again. As a result of all of the medical malpractice problems I have decided to not send my kids to XXXX XXXX anymore. 

Currently I am being billed for {$250.00} from XXXX XXXX and this is negatively reporting on my credit report.
Product: Mortgage

I had a mortgage with Freedom Mortgage where I sold my property on XX/XX/18 and they sent me a statement that my escrow surplus of {$790.00} was mailed on XX/XX/18. I looked for it in my mail until XX/XX/18 and then called to ask where my escrow surplus was. They mailed it to my old address and would not forward to my new address. I was told on XX/XX/18 that a new check would be cut on XX/XX/18 and sent to my new address. By XX/XX/18 I had not received it so I called and was told that they could not void the first check until it was 30 days old and I would have to wait until the following Monday for them to do so. They then needed 10 days to cut the new check and an additional 10 days for it to be mailed to me at my new address. 

I do not feel this to be in the proper guidelines for returning escrow surplus on a loan that was paid in full on XX/XX/18. I am still awaiting my funds.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XX/XX/XXXX XXXX/Experian/XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXXXXXX XXXX  - Account Number XXXX XX/XX/XXXX XXXX / XXXX / Experian I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Product: Credit card

I have disputed a charge on my card for breach of contract and service not provided. 
But the bank denied my dispute even though I had all proofs and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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 accounts 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 these 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.