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

On XX/XX/XXXX I tried to find my flight information with XXXX XXXX. I could not find any recent emails from them within the past year. I called customer service, found my flight ad was given my log in information. Upon logging in, I discovered I had XXXX expired flight miles. I was asked to pay for the reinstatement of the flight miles. While on the phone wit the customer service person, XXXX XXXX informed me the way I could reinstate my miles were 1 ) to pay {$500.00} dollar 2 ) to find information for a flight taken in XXXX ( I did not fly XXXX  in XXXX ), and 3 ) to sign up for the XXXX XXXX by Citibank. I was told if I signed up for the card, spend {$3000.00} in three months I would receive my points reinstate upon approval of the card and receive the XXXX bonus miles at the end of the 3 months. I applied for the card, was approved and later today checked to see my points balance was still XXXX and my points had not been reinstated. I reached out to customer service where I spoke via chat with XXXX. She informed me I had been misinformed and the credit card is in no way tied to my reinstatement of points. To be clear, I spoke with XXXX for over 30 minutes. I went through very carefully to make sure that my points would be reinstated as she claimed. I asked every question and had been given detailed answers. XXXX informed I would have to sign up for a loyalty point challenge or pay for my miles to be reinstated. I now have a credit card with an annual fee I don't want and still not the miles I had previously earned.
Product: Credit card or prepaid card

AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the XXXX XXXX AMERICAN EXPRESS CARD on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year>, Barclays decided to close my XXXX XXXX XXXX credit card for being nonactive. They did not contact me via call, mail, or email. Instead, they abruptly closed my account without any warning. I have perfect credit history, and am also regularly active on another Barclays credit product. So they know that I am active. 

I called Barclays on XX/XX/year>, however they refused to make things right by reinstating my account. Now the card which has been open nearly a decade is dropped, negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, ssn is XXXX birth date is XX/XX/01 My only two known addresses since turning XXXX are XXXX XXXX XXXX XXXX XXXX, ky XXXX And XXXX XXXX  XXXX XXXX XXXX, ky XXXX. 
I've tried every credit union I know they all say something along the lines of " file does not match with the credit bureau 's records '' I'm just not sure where else I could be going wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  continues to report account on my Experian report as charged off sold to another vendor. Numerous attempts have been made to Experian indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Experian continues to have the incorrect information reporting on my credit report.
Product: Payday loan, title loan, or personal loan

I am writing to file a complaint against Wells Fargo for denying my loan application despite having been a loyal customer of the bank for eight years. I applied for a loan to consolidate my credit card debt and help me get through a job transition, but my application was denied because my debt-to-income ratio was considered too high. 

I have a credit score of XXXX, XXXX and XXXX which is not poor, and my main source of debt is my student loans amounting to {$60000.00}. However, I am party to a class action lawsuit that resulted in the full discharge of my student loan debt. Although the process has not yet been completed, Wells Fargo did not consider this information in my loan application, stating that they would only consider current information on my credit report. This is unfair and unjust. 

The denial of my loan application has put me in a very difficult financial situation as I will not be able to pay my bills. Furthermore, this decision will have a negative impact on my credit score. Making it even harder to find a loan and preventing me from having the capital I need to start making more income. 

I believe that Wells Fargo 's actions are in violation of the Fair Credit Reporting Act, which requires lenders to provide accurate and fair credit reports, and investigate and correct any errors on credit reports. In my case, Wells Fargo 's failure to consider my impending student loan discharge is a clear violation of this act. Wells had approved me 2 months prior when I checked my rate i did not proceed because inwas just exploring my options at the time as ineas anticipating the transition. nothing changed between the first and second application. I even went to the bank and tried to get a loan with the representative, bringing the necessary evidence to demonstrate the student loan debt would be clear. I also have a recorded call with a representative who told me the only information Wells Fargo considers is what is currently showing on my credit report. I was supposed to get a call back and never did. 

Moreover, the Equal Credit Opportunity Act prohibits lenders from discriminating based on race, religion, national origin, sex, marital status, or age. I have not experienced discrimination based on any of these factors, but the failure of Wells Fargo to consider my impending student loan discharge could be interpreted as a form of discrimination against my financial status. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo. I believe that I deserve fair treatment and the opportunity to improve my financial situation without any discrimination. I now don't even know what I am going to do because i am a single parent. I recieve no child supoort and i have no family or friends I can go-to for money. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Debt collection

I have asked all 3 credit bureaus to verify that this collection account is mine. I have tried disputing and I have not been successful. 

The collection in question is XXXX XXXX XXXX XXXX I have filed a ID theft report w FTC
Product: Credit card

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute an account on my credit report that I do not recognize and believe to be inaccurate. The details of the disputed account are as follows : - Account Name : RESURGENT/LVNV FUNDING - Account Number : XXXX - Date Opened : XX/XX/XXXX - Account Name XXXX : RESURGENT/LVNV FUNDING - Account Number : XXXX - Date Opened : XX/XX/XXXX I have no knowledge of these accounts, and they are not mine. I am requesting that these accounts be investigated and removed from my credit report as it is causing harm to my credit score and do not accurately reflect my credit history. 

Please find attached copies of the following documents to support my dispute : Please conduct a thorough investigation into this matter and inform me of your findings and the actions taken. I expect to hear back from you within the 30-day timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, they do not belong to me, it is hurting me dentity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Checking or savings account

I have started using XXXX. It is a banking app that helps manage your money. It allows access to multiple accounts in one place. Capital one is blocking access and my ability to connect that account information.
Product: Vehicle loan or lease

In 2020 I struggled to make payments due to covid and I reached out to GM asking them for a deferment and they still reported my account late even though it's been paid off. I would ask if you could please honor my request since the late history is incorrectly reporting on my credit and really hurting my credit.
Product: Debt collection

This company must have tried to buy a debt from another company that was satisfied. Now the company has sent repeated messages and statements through the mail. It his account has been closed
Product: Credit reporting 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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report JUST 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/year> 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 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 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.
Product: Credit reporting or other personal consumer reports

After checking my consumer report, XXXX XXXX XXXX is reporting a 30-day delinquency late payment : Account number XXXX. I am demanding the following 30 day delinquency late payment be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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 Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

Dispute Regarding Security Breach and Personal Information Compromise Dear Experian Customer Service, I am writing to formally dispute the security breach that occurred in XX/XX/year>XXXX  which resulted in the unauthorized access and potential compromise of my personal information. As a concerned consumer, I am deeply troubled by this incident and the potential impact it may have on my financial and personal security. 
People have been using my idenity on the dark web to obtain leases and loans. 

I request the following actions be taken immediately : 1. Detailed Report : Please provide a detailed report of the breach, including the specific personal information that may have been compromised and the steps you are taking to mitigate the damage. 

2. Credit Monitoring : I request that Experian provide me with complimentary credit monitoring services for at least two years to ensure that my credit remains secure and that I am promptly alerted to any suspicious activity.

3. Fraud Alert : Please place a fraud alert on my credit file to prevent any unauthorized access or fraudulent activities.

4. Identity Theft Protection : I request that Experian provide me with identity theft protection services, including assistance with resolving any issues that may arise from this breach.

5. Confirmation of Actions : Please confirm in writing the actions taken in response to this dispute and provide any additional recommendations for protecting my personal information.

I trust that Experian will take this matter seriously and act swiftly to address my concerns. The security of my personal information is of utmost importance, and I expect that Experian will take all necessary measures to prevent any further issues. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a promotional offer with no interest or transfer fees, etc for a year upon opening of my account. However, I have been charged XXXX in fees and {$440.00} in interest YTD and despite efforts to have them credited, have not been successful. 

I was told I should have called in advance to get a better explanation of the cash advance terms as they prefer that we call before using. As a new card member, I find this to be deceptive advertising and request that the interest and fees be removed.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of Citibank.
Product: Credit card or prepaid card

Disputed charge on XX/XX/XXXX in the amount of {$210.00} several times. Vendor misrepresented dimensions and overcharged for the item on XX/XX/XXXX. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. The item was RETURNED TO SENDER. A large amount of evidence including a returned package tracking number form XXXX was provided on multiple occasions.
Product: Debt collection

I received the attached letter from First Federal Credit Control XXXX XXXX dated XX/XX/2023. I already advised them over a month ago this balance was paid. However, they are attempting to collect a non-existent debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a paralegal and have worked many years previously in debt collection. I want in writing that this was a mistake sending this letter so that I have this for my records. It is not legal to threaten to furnish a non-existent debt to the consumer reporting agencies. Also, just for this company 's information, when they say " THIS DEBT WILL BE REPORTED TO THE NATIONAL CREDIT BUREAU, '' that is also inaccurate and they should look at updating their letter. They do not " report '' they " furnish '' information to the consumer reporting agencies. I've attached the debt collection letter, as well as the receipt showing this was already paid.
Product: Debt collection

I mailed AArgon a letter asking them to validate this debt but instead, they sent me all of my medical history. I did not give this company authorization to have personal medical history. My rights have definitely been violated. What happened to HIPPA??? i want this deleted from all credit reports
Product: Credit reporting

CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.
Product: Mortgage

Urgent Complaint Delayed Refund & Possible Fraud To Whom It May Concern, I wired good faith money for a transaction involving the property at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, along with XXXX XXXX ( XXXX XXXX, Government Guarantee Lending Officer, XXXX ) at Renasant Bank, assured me that the refund would be sent on XX/XX/XXXX. The property was supposed to close on XX/XX/XXXX, but the closing did not occur as the required conditions were not met. Today is the XXXX, and I have yet to receive the funds. Despite multiple follow-ups, they have not provided a valid explanation or proof of the wire transfer. 

This prolonged delay is causing financial harm, and I now suspect potential fraudulent activity. I kindly request your support in investigating this matter and ensuring my funds are returned immediately. 

Please advise on the next steps and provide an update as soon as possible. 

Best regards, XXXX XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I HAVE DIPSUTED THIS FRAUDULENT ACCOUNT SEVERAL TIMES. ITS CAUSING ME A LOT OF UNNECESSARY HARDSHIP. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.