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

On Saturday, XX/XX/XXXX, I was on my Delta SkyMiles app looking for a last minute flight from XXXX to XXXX, roundtrip. I selected a departure flight from XXXX on Saturday, XX/XX/XXXX. I selected a return flight from XXXX on XX/XX/XXXX. When it was time to complete my purchase, there was an offer to apply for a Delta SkyMiles Gold from American Express card & upon approval, receive a {$250.00} statement credit when the purchase was complete. On top of that, you'd get XXXX bonus miles after making {$2000.00} in qualified purchases within the first 6 months of opening the account. To me, that seemed like a GREAT deal, because my flight would now only cost me {$350.00} after I would get that statement credit. So I applied, I was approved, and then was prompted to complete my transaction. That's when I received an error that the card I tried to use was not recognized, and that I should check my email to retrieve the temporary card number to complete my purchase. So I did that, and STILL could not complete my purchase. I tried several times and triple checked that I was entering the temporary card information correctly. After trying for about a half hour to make my purchase, I gave up and decided I would call in the morning. 

When I spoke to American Express customer service, I was told there was nothing they could for me except offer me a {$15.00} statement credit for the inconvenience. In addition, the last-minute flight that I wanted to book went from {$600.00} to {$730.00} overnight. So if they couldn't honor the price from the night before, I could at least try to book it at the higher price now because I would still get the statement credit, right? Wrong, I would now need to wait for the physical card to arrive in the mail before I could make any purchases. This is where I felt scammed. I had to wait until Monday, XX/XX/XXXX, before I could speak to anyone in " New Accounts '' at American Express. Once again, I was disappointed by their customer service as they could not even help me with completing the transaction with Delta over the phone. This made absolutely no sense to me seeing as it was a Delta SkyMiles Gold from American Express Card... how are the two not the same entity?

In summary, I feel like I got scammed into applying for a credit card that I now have NO USE for as it will not arrive in the mail until after my planned departure date. This is the worst experience I've ever had with both American Express and with Delta.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with the help of the CFPB today to inform both the CFPB and the Credit Reporting Agencies that I was a victim of identity theft. I have conducted a research on how to remove the fraudulent accounts as well as inforamtion in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the deletion of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX AV XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

On XX/XX/XXXX I purchased a fan card mastercard with a balance of {$500.00}. I attempted tlo use the card at multiple merchants and it was declined. I called incomm support and they told me there was an activation issue and to send in a copy of the card etc to XXXX with case number XXXX. I sent the email on XX/XX/XXXX. I called on XXXX for an update as the card is still unusable. They were not able to give me an update. I informed them that I would be opening a complaint with the CFPB.
Product: Vehicle loan or lease

ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note. 
Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ). 
XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ). 
XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria. 
Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process.

12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge.

13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history. 
XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Student loan

My student loans use to be serviced by Great Lakes until they were transferred over to Nelnet. Since they were transferred over to Nelnet, either my monthly interest dollar amount has increased from about {$28.00} a month, to over {$130.00} a month, or my payment was not applied at all. I emailed Nelnet to ask them about the situation and to confirm the interest I am spending per month ( dollar amount ), and they refused to respond and directed me to their FAQ 's ( which do not answer my question ). I have screenshots available upon request to show my interest rate accrual under GreatLakes versus Nelnet. I also have screenshots upon request showing the interest accrual before the pandemic payment pause to show the interest rate so this has nothing to do with interest rates starting back up. The calculation is factoring in a {$100.00} payment I made last month. Despite making a {$100.00} payment, my overall loan amount still increased {$30.00}. It's almost as if the payment was not ever applied even though it's showing up on my account. 

I am hoping we can still reach a resolution and I will be refunded the difference I was over charged, or the payment being correctly applied to my account. I tried to work this out directly with Nelnet and they refused to respond. Due to the nature of the complaint with being over charged on interest and not receiving a response, I'm escalating this to a UDAAP complaint with the CFPB. Even with calculating the interest amount of my loans, the amount is around {$28.00}, so the amount interest I was charged doesn't match GreatLakes or the interest percent information provided on my account. This can also affect my credit score because the loan amount is increasing more than it should.

I am requesting Nelnet : 1. Explain why my balance increased {$30.00} over the past 30 days after making a {$100.00} payment on 9/22/23.

2. Explain what my total monthly ( 30 day period ) interest dollar amount is on my student loans ( not just the percents, the total dollar amount ) 3. If the interest dollar amount increased, explain why interest is substantially higher than before the pandemic 4. refund me the difference, or correctly apply my previous student loan payments. 
Thank you
Product: Credit reporting or other personal consumer reports

This complaint formally asserts numerous violations of federal and state laws by Experian, Equifax, and TransUnion regarding inaccurate, incomplete, and unverifiable credit report information. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., formal disputes were filed with each bureau on XX/XX/year>. The mandated XXXX period for compliance has elapsed without corrective action, resulting in continued financial harm and emotional distress. 

Detailed Disputed Accounts : XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX Disputed Hard Inquiries : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal and State Laws Committed by the Bureaus : Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify Consumer of Debt ( FDCPA 1692g ) Failure to Ensure Accuracy of Reported Information ( FCRA 607 ( b ) ) Failure to Investigate Disputes within 30 Days ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Consumer 's Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 ) Ignoring Identity Theft Protections ( 18 U.S.C. 1028 ) Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) Violation of Florida State Identity Theft Statutes Requested Actions and Relief : Immediate removal and permanent blocking of disputed accounts and inquiries from Experian, Equifax, and TransUnion credit reports, pursuant to 15 U.S.C. 1681i.

Immediate annotation of the disputed accounts and inquiries as " Disputed, '' as mandated by FCRA 1681i ( a ) ( 6 ) ( B ).

Immediate production of verified documentation proving the validity of disputed debts and inquiries, including signed contracts and agreements.

Enforcement actions by the CFPB compelling compliance with all applicable federal ( FCRA, FDCPA, Gramm-Leach-Bliley Act, Identity Theft statutes ) and state identity theft laws.

Investigation into the systemic noncompliance of the bureaus with their statutory obligations.

Due to the sustained harm inflicted upon my financial standing, ability to secure credit, and emotional well-being, I respectfully request the CFPB to rigorously enforce compliance by the Bureaus and mandate immediate corrective actions, penalties for non-compliance, and appropriate relief for the damages incurred. 

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

To whom XXXX be concern, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

XX/XX/ I was XXXX and had my phone stolen. The people who stole my phone bypassed my phone passcode, XXXX, and cash app pin. As well as my email information. In doing so, they sent themselves a combined {$6000.00} to two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I tried to change my account info and it took multiple tries with cash app to get access back. I could not reach them during the weekend because they dont provide support. I filed a dispute for the charges, and they said the information they have makes it as if I authorized the purchases. I have a XXXX case, stolen identity/fraud case, & the medical papers to prove I did not make these payments nor did I authorize someone to make them.
Product: Credit reporting or other personal consumer reports

I noticed this morning that there are wrong accounts appearing on my credit report, and Im clueless about how they got there. I reviewed my credit report as usual, but this time strange inconsistencies appeared. I attempted to refresh my browser to check if it was a technical error, but nothing changed. Therefore, I kindly request a detailed review of the documents Ive submitted to ensure this doesnt happen again.
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to make a purchase at XXXX for a laptop for my son to use as he is doing remote learning and needs the device. I called the number in the back of the card and the automated service stated my credit limit is {$1000.00}. I checked my credit report through my bank as this service is free and noticed a credit alert. The alert indicated I had a credit decrease from XXXX rewards. XXXX reward decreased my credit from XXXX to XXXX on XX/XX/2021. I immediately contacted customer service, as I never received any notices. During the call I was told the creditor decided to decrease my credit. I asked why I was not sent a notice nor did I receive email or letter etc, as Ihave been a loyal customer for years who have never been dilenquent, always paid on time and my credit is in good standing. I was told by the representative that they do not send notices and can decrease or close without warning nor alert. I explained to the representative that during this time I have been depending on my credit and would have made a decision have I been alerted on my posible credit change. The representative offered no help with this matter, simply stating the company does not have to send a notice of their intent to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Account is not my account information reporting inaccurate information
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XXXX  Never Sent the periodic statement along with the disclosures from section 1

637 ( b ). I have requested proof that this info
rmation 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: Checking or savings account

I was having a XXXX IRA account in Betterment.com and when I open this account there was no fees for Closing or transfer the account to another company. Now I transfer my account to XX/XX/2024 XXXX XXXX 
during the time of transfer the Betterment.com Charge me {$75.00} I asked to refund on the basis of the term I opened the account but they denied to refund my {$75.00}. 
when I opened there was no fees it was advertised and written on website its free open and Closing or Transfer whenever the customer want to. I need your help and intervention please resolve this matter because its not Transparent and legitimate professional business by the Betterment.com. This Betterment investment company need to refund my money because they introduce this after I open the account and there was no information for me by mail or any communication by betterment.com I am hoping for a transparent and professional solution of this matter. 
Thanks,
Product: Credit reporting or other personal consumer reports

I have been disputing inaccurate information on my credit report since XX/XX/year> regarding hard inquiries. I have filed a FTC report and sent it to Chexsystem and they have filed to acknowledge they report.
Product: Credit card or prepaid card

On XXXX XXXX, a {$9000.00} charge was made to my Barclays charge card. Barclays determined the charge was fraudulent and XXXX accepted Barclays ' charge back request on XX/XX/XXXX and returned the {$9000.00} to Barclays. Unfortunately, the charge remained as a debt on my Barclays credit card and I was forced to pay it off to avoid ruining my credit. After repeated attempts to resolve the dispute, I filed a XXXX complaint on XX/XX/XXXX. As a result of that complaint, it would appear that the problem is with an interface between Barclays ' fraud and debt/credit accounting sections. 

Over the last 18 months, I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXXXXXX 's response ; and written numerous letters requesting resolution. Barclays has assured me since XX/XX/XXXX that payment would be made to XXXX and nothing has happened. These efforts have involved more than XXXX hours of my time. Resolution of the problem by Barclays has taken so long that the only option available now is for Barclays to refund the money that I have paid and I will take care of resolving the issue with XXXX. 

I am attaching the results of the XXXX complaint and documentation of some of my interactions with Barclays and XXXX employees. I have additional documentation, including copies of several, but not all, of the letters that I have sent Barclays regarding this matter. Please respond to my email with any additional information requests you may have
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error