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

I opened an American Express Delta Skymiles XXXX card in XX/XX/2023. I signed up using a promotional code for this card that included a welcome offer of XXXX Bonus Miles that would be credited to my Delta account upon spending {$3000.00} within the first 6 months of having the card. Upon meeting this spend threshold on XX/XX/2023, I was told it would take up to 6-8 weeks for the miles to be reflected on my Delta account . When the miles weren't credited to my account after 8 weeks, I inquired with American Express, who told me it could actually take up to 12 weeks. Upon the end of the 12th week I had still not seen my miles. I then called American Express to complain the miles had still not been credited to my Delta account, to which they told me there is a known glitch with the offer code, affecting a multitude of individuals that is causing them not to receive the miles and that I should receive them but it could take another 6-8 weeks. It is now closing on week 15 and I have not received my miles. American Express is not upholding their end of the offer and has taken weeks to adress the issue.
Product: Student loan

I was previously on the Revised Pay as You Earn Plan ( " RPAYE '' ) with my prior loan servicer, XXXX. This was set at a monthly payment amount of {$240.00}. 

Biden 's administration announced that with repayments starting, individuals had the option to go on the new Saving a Valuable Education ( " SAVE '' ) plan, which would immediately reduce you monthly payments by nearly half. Those who were already enrolled in RPAYE needed to take no action, as they would automatically be enrolled in SAVE with their payments amounts updated automatically. 

I've attached proof that I was previously on the RPAYE plan with XXXX with the payment amount set at {$240.00}. 

Now that EdFinancial handles my loan, they've sent me statements indicating my payment amount has not changed ( still at {$240.00} ) and also, that I am on an IDR plan. Their website indicates that I'm on the SAVE plan with a {$0.00} payment amount. ( Attached )
Product: Credit reporting

The XXXX continues to report that I owe them money. I have called, and emailed them to no avail. They took the money years ago on a treasury off set, deducted from my tax return.
Product: Debt collection

I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.
Product: Debt collection

I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX   notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
Product: Debt collection

Please provide a deficiency balance statement of how much I owe after it was sold as I have never received notice of sale under the UCC article 9. Please provide this information within 14 business days. 

Account name CREDIT ACCEPTANCE CORPORATION Account number XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( XXXX XXXX XXXX XXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681.

The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement.

In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA.

I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX Santander Bank went into my daughters checking accounts and took {$1800.00} out of XXXX and {$1500.00} out of the other for a loan that I owe them. They told me it was because they still had my name on their accounts. The girls each have had these accounts since they started working in their teens and we never thought anything about the fact that my name was still on there I was also told that when these accounts were set up over XXXX  years ago I signed a paper stating that they could do this. I don't remember ever being told this! This account was set up with XXXX XXXX XXXX not Santander.Bank The only reason my name was even on them was because they were under XXXX at the time. 

I also asked if I traveled the hour to the nearest branch if they could take my name off their accounts and again I was told no. 

This is not fair. Both of my girls are working and have direct deposit going into their checking accounts. It's not fair to my girls that they had their rent money stolen from them because of my debt with the bank. 

Is there anything that can be done to correct this?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX  XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}
Product: Credit card

My card payment was due on XX/XX/XXXX. I paid in full on the XXXX. On the XXXX, I was charged {$51.00} plus change in interest despite my balance being paid in full on time. I called to have it removed and they tried to say it was residual interest. That is not correct. I already paid interest for last months balance so should not owe more now that the card is paid off.
Product: Checking or savings account

Without notice, First Citizens closed my checking and savings accounts and I have not received a check for the combined balances ( about {$700.00} ). I opened the accounts in approximately XXXX to obtain a lower interest rate on a home mortgage loan then offered by the Bank. I enrolled in the paperless option, meaning that I received statements and other communications by email. I regularly reviewed my account statements online, most recently the XX/XX/XXXX quarterly statement which I received notice of by email from the bank on XXXX ( attached ). 

Last week, I went to the bank 's website to update my security settings. I was able to log in but my accounts were missing from view. I contacted the bank both by phone and secure message. The phone representative advised that my accounts were closed recently and a proceeds check sent to a Florida address I maintained from XXXX. But the written response I received on XX/XX/XXXX ( attached ) conflicts with that information and instead advised that the funds were escheated to the State of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to request the removal of fraudulent or unauthorized accounts resulting from a data breach. 
The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX  ACCOUNT XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$360.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$950.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} Inquiries : XXXX. XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

There are currently three items on my credit report that are being reported by a collection agency by the name of common wealth fin in the amounts of {$870.00}, {$590.00}, and {$65.00}. I have repeatedly tried to dispute these three items due to them not being my debt to no avail.
Product: Credit card or prepaid card

XXXX  closed my account with XXXX balance on XX/XX/2020/I did not close this account.This was a XX/XX/XXXX card and cant be used becauseXX/XX/XXXXis closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : 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
Product: Debt collection

I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

( copy from the Affidavit attached and as you can see if was refused ) ************
Product: Credit reporting or other personal consumer reports

Several Errors for An Alleged Debt are On My XXXX and Experian XXXX Reports. 

Date Opened can not be XX/XX/XXXX On My XXXX XXXX Report AND also be XX/XX/XXXX on My Experian Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX XXXX and Experian Consumer Reports.

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by Grantor AND Closed Due to Inactivity AND Reprted As A Loss by the Credit Grantor AND Listed in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : Repeating CO Every Month.

Not Reflecting a XXXX  Balance after Debt has Been Sold.

Not indicating If/When the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.
Product: Checking or savings account

Entered into XXXX promotion to open a new checking/savings account with Citibank inXX/XX/XXXXXX/XX/XXXX The bonus entailed XXXX for depositing XXXX and maintaining for 60 days, as well as XXXX for completing one qualifying direct deposit each month for two consecutive months within 60 days of account opening. The bonuses should have posted 90 days after completing the requirements. I received the XXXX in XX/XX/XXXX I still am not in receipt of the XXXX. I had a direct deposit post on XX/XX/XXXXand another XX/XX/XXXX, so did complete the requirements. The Citi representatives that I've spoken with have confirmed I've met the requirements but have been unable to assist me.
Product: Mortgage

I have submitted proof of flood insurance and they continue to add forced placed flood insurance. I need it removed.
Product: Debt collection

I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$52.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$160.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card

Found there was unauthorized purchases made to some invidual named XXXX XXXX from my cash app account totaling XXXX XXXX XXXX to witch I didnt make authorization towards
Product: Checking or savings account

OnXX/XX/XXXX I noticed in my account summary a request for replacement card fee and unauthorized mulitiple atm withdrawls totaling {$12000.00} dollars. I contacted chase that day and questioned who had requested a card replacement and if there was ever a card that was sent out I was told this was in error and that it would be cancelled. They then told me that a dispute form would have to be filed by me and then they would investigate the incident. On XX/XX/XXXX Some time later Once I received the form and sent this too chase they then made a determination that all the disputed withdrawls were valid. I spoke with someone at the claims department and was given as one of the determining factors in there decision was that there were no errors in inputting the PIN number during any of the withdrawls they then explained that if I wanted it to be reviewed further that they would need a police report but until that there would be no further investigation. 
I went to the police and acquired the police report and sent a copy too chase at which time they sent me a second decision that in their determination that the atm withdrawls were valid. I then spoke with someone at the claims department and was told one of the determining factors was that the transactions occurred in areas that I was known to travel along this was the explanation I was given and no other recourse in their judgement. 
I have requested too see or have them check the video of the areas where the withdrawls occurred, there response was that it doesnt matter that I could have sent someone and when I pressed them further they indicated that if I wanted too view the video that I should call the police and have them show me. 
There was never any type of notification alert sent to me about these withdrawls when the normal process is that I would receive a text message of transaction events this I believe might have something too with the request unauthorized card replacement request that I noticed on my account summary right after which these unauthorized atm withdrawls started occurring and a possible link to not receiving any text notifications. In my dealing with chase representatives they have not provided any information too shed light on any of these questions. 
Atm withdrawls normally have limits, but in a span of 3 days someone withdrew {$12000.00} without any notification sent to me, the explanation I was given is that it most likely occurred inside the bank atm which may has higher limits and so in a short span of time someone was able to do large withdrawls. Chase bank was unresponsive in my request to see video footage. I have a 20 yr history with chase In terms of my account with them I have never made any atm withdrawls during that period of time something which should have the sent off red flags for chase starting onXX/XX/XXXX the beginning of the atm withdrawls and ending onXX/XX/XXXX at which time they never sent me any notice of any of the activity.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX reported a delinquent payment on my credit report without sending me a statement or any default notice. It is my understanding that this is a violation of the Fair Credit Billing Act Part D 1666 ( b ) 6. 

I only learned of this past due payment from an XXXX alert telling me I had a negative item reported. I pay my charge card off in full every month. The month the payment wasn't made XXXX  XXXX XXXX did not send a statement. I can't make payment on a bill I don't know I have. There was no statement in the mail, text alert or phone call. 

Once I received the XXXX alert I immediately contacted XXXX  XXXX XXXX and paid the {$66.00} credit card balance. After lengthy investigation with XXXX  XXXX XXXX, they advised me over the phone that my account was switched to paperless billing and that they can't find authorization from me to switch and it appeared to be a system glitch on their end. 

They have told me numerous times they will update the credit report but they haven't done so yet. It is unfair companies like XXXX  XXXX XXXX can report a negative event on a credit report without first sending a bill or notice of payment due, or notice of default to the consumer. 

They have refunded the late fee and interest charge related to this payment. I'm requesting your help in correcting their credit reporting to XXXX, XXXX and Equifax. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXXEquifax are intentionally reporting inaccurate information on my credit report. I have attempted to dispute multiple times, and they keep " verifying '' information unrelated to me. the only error they corrected via a dispute was my social which is a prime example of how I am sure the information is for someone else if they didn't even have my correct social security number. My info was leaked in an XXXX data breach.