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

Target stores closed my account last month onXX/XX/XXXXdue to inactivity. We received one and only one communication about this which got misplaced until it was too late. I work for a very large bank with not only their own credit cards but branded cards as well and have talked with that legal team about the following : 1. There should have been more than just one general prepaid mailing that looked more like junk mail than a call to action notification. 2. As I have opted in for digital communication, they should have sent important account information to my selected email, of which there were none. 3. I have their manage red card site where I paid my bills and on this site every single time I went in wanted me to update financial information, NEVER did this pop up a warning telling us about a pending closure. I contacted them MANY TIMES informing them of their error and their lack of proper customer communication that all good providers ( including where I work ) do to one keep clients and two mitigate the possibility of a lawsuit. Every time they claim they can not turn the card back on that I have to apply for a new one which from the lawyers and branded cards team where I work is a flat out LIE. All I get is we will take this as a learning item for future process improvements.
Product: Credit card or prepaid card

I applied for a Frontier Airlines XXXX on XX/XX/23. When the card arrived in the mail there was no mention of the XXXX bonus miles as promised on the offer. I called Barclays Bank/Frontier at that time and they refused to honor the promo voucher I received from the stewardess inflight. At that time I told them to cancel the card, as the card was never activated. 
On or about XX/XX/23 a {$20000.00} credit appeared on my existing XXXX XXXX account from Frontier. Immediately I called Barclays Bank to report this unauthorized fraudulent transaction. The fraud team verified my identity and assured me this would be removed and my account was officially closed and that I would not be responsible for any finance charges related to their error. 
After calling and speaking to agents over a dozen times during the last 2-3 weeks regarding this careless error, they want me to open a new account and deposit the {$20000.00} in a new Frontier account. 
I have exhausted all resources on my own and I need professional help and advice. 
We have a problem communicating with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation. 

My complaint is for XXXX XXXX XXXX XXXX and all 3 Credit Agencies. I have been trying to resolve a known issue with incorrect " Past Due/Payment History '' that XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. XXXX XXXX agreed that the Past Due/Payment History is wrong, and that they would correct it. 

Since XX/XX/2020, I have documented repeated attempts to get my credit history corrected. It is XX/XX/2020, and still do not have my Credit Reports corrected. 

BEWARE of XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have a Chase XXXX XXXX card. I use this card make purchase through XXXX only. Last XXXX found nine fraud transactions, total amount {$600.00} on my monthly statement. I got take cared when I first disputed them. Then I closed that card and replaced by a new one. After more than two months those nine transactions posted on my account again. Then I made many calls with Chase Customer Service, Chase dispute Department and Chase Fraud Department. I told them I didn't make those purchases and I don't want to pay them. But the issue didn't get resolved. The Fraud Department didn't do any investigation with this criminal. They just keep sent me letter and repeat the same wards " Our latest review confirms the previous finding that the transaction is valid. You are responsible for paying the amounts in your account ... '' They didn't ask the merchants to show the receipts with original signatures. I went 8 merchants, except for the nine 's, it was too far away. I got two receipts with fraud signature on them and faxed to both dispute department and fraud department. They just ignored those evidence and insisted to let me to pay the whole amount. How can the related department of Chase doesn't help the card holder? What they did just damaging card holder 's credit and reputation of Chase, and just favoring the criminals.
Product: Credit card

Purchased goods/ services on a website- XXXX were not delivered. Disputed and AMEX response was per my agreement they can not investigate. XXXX on XX/XX/year>. 

I never received an email about the dispute outcome. Checking the dispute center gives an error.
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 has violated my rights. 
- XXXX XXXX XXXX section XXXX 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate XXXX XXXX XXXX and Experian Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the credit acceptance letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased my XXXX when the engine and transmission went out, before the month at that point I already paid my differed payments of XXXX, I had to go in person so I could've gotten another car which is the XXXX I got now, they started another contract for the amount of {$21000.00} I didn't start paying til XXXX payment of {$240.00} every XXXX weeks, ever since west portfolio took over I haven't seen my payments going down... and I started to pay them on XX/XX/XXXX. What to do? And west portfolio charges an extra XXXX for debit payment and all I'm seeing is the {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX multiple times and they're still reporting inaccurate information on my credit report. They're reporting that the account was discharged in a bankruptcy in 2017. However, the vehicle listed in this account was paid in full by insurance. I have all documentation from the insurance company showing proof of payment. I have reach out to the XXXX XXXX XXXX, and I have got an attorney involved now if this is not corrected immediately.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXX  XXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

On XXXX XXXX, Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but he was not able to resolve the issue to my satisfaction. 

I have included a screenshot of the removal of my inquiries. I do not have a record of when they were re-added, but an examination of my credit report will show that they are again present.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Corp have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; World Finance Corp is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through XXXX XXXX. XXXX XXXX is a third-party collection agency that represented XXXX. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.
Product: Debt collection

For over two years Works and Lentz has sent letters to me stating that a lawyer would sue me if I did not pay a medical debt, On the phone Works and Lentz has repeatedly called and informed me that a lawyer has reviewed my account and will be coming after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been well over 6 month and I have been battling XXXX to review my letters and and remove the remaining collection accounts. The accounts in question have been updated to 3 collections. They changed the accounts to show that they are recent collections of a month ago when I solicited your help in the matter. All they did was close them, and updated the acoounts to a recent collection/late status when they are not even my accounts. 

The accounts are not mine, and my score has now decreased because of their change of status to closed collection. 

The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX ( recently added ) XXXX XXXX act # XXXX These accounts are not mine. Experian has spitefully added them as a collection late-closed status due to my request that you investigate this on my behalf. Like I said, my credit score has gone down to my request to you to investigage. Please help. Experian is clearly retaliating against me.
Product: Credit card

On XX/XX/23 we ordered XXXX XXXX  dog collars from XXXX XXXX. It was delivered the next day to the wrong home. That home was cream colored and our home is XXXX. We alerted XXXX XXXX within XXXX minutes of the delivery it was the wrong home. We have contacted Comenity multiple times through their secure message center and the phone weeks ago. We were contacting XXXX directly as well. XXXX XXXX  agreed to the refund of {$110.00} and stated through email it cleared their account, but Comenity XXXX XXXX is claiming they did not receive it XXXX XXXX refund. I even sent them proof XXXX XXXX claimed they refunded the full amount for the undelivered item weeks ago. 

I opened a dispute XX/XX/23 and have received a letter stating they need more information to determine my exact concern, but we have told them many times now. They told me to send them a message in their secure message center to explain by a deadline. I have tried to send 2 messages last week through that system and today - both claim there is an error and will not go through so I cant reach them by their time listed I need to contact them. This is very concerning to me.

I dont understand the hang up when the company we purchased from ( XXXX XXXX ) agreed to the refund and sent a refund to Comenity that they will not credit my credit card account for. We need XXXX XXXX to credit our account.
Product: Credit card or prepaid card

In late XX/XX/XXXX/early XX/XX/XXXX I was sent a solicitation from Citi /  AAdvantage Platinum Select World Elite XXXX inviting me to apply for a credit card in which I would receive XXXX bonus miles if a spent a certain amount of money on their card over a certain period of time. I completed the application, it was accepted and a new credit card was sent to me. 

I then spent the required amount using their credit card. However, I was not given my bonus miles. When I inquired about this with the company, I was told " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' Apparently, I had previous had this card and closed the account in XX/XX/XXXX. 

While I agree this is a reasonable policy and I agree it is stated in the fine print in their offer, I also think it is entirely unreasonable and misleading when a company with as many resources as Citibank is allowed to solicit business from potential customers with offers that Citibank already knows they do not qualify for. I did not reach to them and ask for this credit card ; they sent me the offer and I accepted it. Further, I think if I did not qualify for the offer they offered to me, they should be required to reject my application and, if they so desire, send me another offer that I do qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with COMENITYCAPITAL/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and COMENITYCAPITAL/XXXX with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Student loan

To Whom it may concern : I have tried to explained for over 15 years to Navient about both of these loans and XXXX XXXX for over 25 years ago before they sold it to Navient -Dispute. My loan was done by fraud by the college. I graduated in the fall of XXXX and walk in XXXX took no classes and was on a full ride XXXX XXXX. This has been over 36 years ago and I will be XXXX XXXX XXXX in XXXX. I live in Texas and should have been apart of the Navient lawsuit for them telling me they will investigate and never did, but push me to do a forbearance plan every other year while they investigate. My son student parent loan for XXXX XXXX was in dispute he only went to school 2 months and was kicked out. But the school requested money for a full year. I spoke with a employee of the business office when XXXX went thru that bad flood and she said the records was all over the place and the some of the funds went back to the federal government. She did help me understand that he & I was overcharged. Also I didn't receive any info about about him being kicked out of school? I have requested 100 times from Navient the original loan papers -nothing. Also we filed Bankruptcy back in XXXX and Navient was in included but drop off. They are still charging me interest and collections letters .The U.S. Department of Education announced another extension of the pause on student loan repayment, interest and collections, through XXXX XXXX, XXXX. Your Loans Loan Type Due Date Amount Status Auto Pay Show more information XXXX Parent PLUS Loan FFELP Payment Due Current Due XX/XX/XXXX {$130.00} Unpaid Fees {$22.00} AlertPAST DUE XX/XX/XXXX {$510.00} Show more information XXXX Consolidation FFELP Payment Due Current Due XX/XX/XXXX {$370.00} Unpaid Fees {$65.00} AlertPAST DUE XX/XX/XXXX {$1400.00} Original Principal {$20000.00} but loan per them /Unpaid Principal Total Amount to be Repaid {$110000.00} {$52000.00} Unpaid Interest {$1700.00} Unpaid Late Fee {$65.00} Current Balance {$53000.00} Original Principal {$12000.00} Student XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Unpaid Principal {$17000.00} Unpaid Interest {$600.00} Unpaid Late Fee {$22.00} Current Balance {$18000.00}
Product: Credit reporting or other personal consumer reports

On XXXX someone tried to open an account with XX/XX/XXXX using my personal information.
Product: Debt collection

My husband was paying on my debts. I went through a horrible divorce, was left with no car. Could not work at the time. Had to move back into my parents house and start over. Did not have the money to pay debts. When I moved the bills were not sent to my new address I had no idea how much I still owed or that the bills were being sent into collections. Would like to negotiate a plan to pay off an amount of these collections to have the deleted off all XXXX credit reports now that I have a steady income.
Product: Credit reporting

Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6 months transunion has been raising and lowering my score every week most of time will go up XXXX point then down XXXX to XXXX no reason for this have never missed payment. Also received another credit card and score goes down not up never used card. 
I have xalked then they give me a runaround please help this my score should be over XXXX instead getting closer to XXXX again.
Product: Checking or savings account

The bank charged me an overdraft fee for an item posted on XX/XX/XXXX. 
My ending posted balance on XX/XX/XXXX was + XXXX. 
On XX/XX/XXXX the bank charged me XXXX overdraft fee for a posted transaction on XX/XX/XXXX for XXXX. 

My issue is that if I have ending positive balance on XX/XX/XXXX why would I be charged an overdraft fee. 

Ive been with Wells Fargo since XXXX and they have never in the past acted this way and when I asked if something change, they have not. 
I find it very hard to believe that in 28 years that I have gotten away with not getting charged overdraft fee. 
Attached is email after I made a deposit on XX/XX/XXXX at XXXX PT. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX disputed a fraudulent charge from XXXX which posted on XX/XX/2022. The charge was also not recognized by XXXX, whose agents had no records of this charge on our accounts. While awaiting for this charge to be resolved, I received another charge from XXXX which was not authorized. XXXX XXXX I called Bank of America ( XXXX ) to file another dispute and inquire as to the status of my previous dispute to find out the previous dispute is, pending review, reported by a supervisor named XXXX. I have been calling and calling and hung up on during previous attempts to resolve the claim and am convinced the protection efforts undertaken are insufficient and the burden to file complaints very high. Neither of these charges are reflected in my payment history