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

I called American Express to inquire about their Delta SkyMiles Gold Card which entailed a promotional XXXX Delta Sky Miles for signing up for the gold card. I was told that if I apply for the cards, approved, and used the minimum spending limit {$2000.00} in purchases within 3 months, I would receive the Delta Sky mile points. I met and exceeded all above requirements. On XX/XX/XXXX, I called American express to inquire about my XXXX Delta Sky Miles and why have not received them yet. I was rudely told by operator XXXX ( customer ID # XXXX ) that I did not receive the Sky Miles because of my American Express promotional history. I ask her to further explain, and was told its in promotion agreement and was not required to explain further to me. I explained that I have had another American Express Card for 15 years. The only reason I applied for the cards was the Sky Miles Benefit offered and ask that American Express honor its agreement and give me the miles. I am not aware or made aware of any cards promotion history with American Express that would prevent me from receiving XXXX Delta Sky Miles. I also requested that further investigation be done as to why I was denied the Sky miles? She told me she would not further investigate or was not required to, also no further detail was necessary. 
One I would not have apply for the card if before or at the time of application I was told that I was not eligible for XXXX Delta Sky Miles. I also would not have spent excess of the {$2000.00} if I told of not being eligible for the XXXX Delta Sky Miles before or after the approval. My only reason for obtaining the cards was for the XXXX Delta Sky Miles benefit. By using some credit cards calculation ( Promotional history ) that discriminated me from receiving same benefits as other members has the aroma of breaking The Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act, and Title VII of the Civil Rights Act of 1964. In any case, I feel frauded because I'm now stuck with a credit cards that I would never of applied if it weren't for the XXXX Delta Sky Miles. I have a credit debt that I was dupped into acquiring for a benefit not forfeited. I know times are hard and inflation is up but credit cards companies should not resort to fraud marketing tactics or be allowed to.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of my bankruptcy from my consumer report.

After a thorough review of my report, I have noticed that my bankruptcy, which was discharged on [ date ], is still being reported.

Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information regarding a consumer 's credit history. In accordance with 15 USC 1681e, the information on my report must be fair, accurate, and current. As my bankruptcy was discharged on [ date ], it is no longer current and therefore must be removed.

I am also aware of my rights under the Fair Debt Collection Practices Aot, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt.

As such, any continued reporting of my bankruptey is in violation of federal law.

I demand that this error be rectified immediately, and that my bankruptcy be removed from my consumer report. Please provide me with written confirmation of this removal, along with an updated copy of my consumer report. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately. 
Sincerely, [ Your Name ] XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an issue with improper reporting of a credit card account with credit first na account number XXXX that was included in bankruptcy and discharged XX/XX/2018. This account is showing as a recent missed payment and hurt my credit scores now across the board. It should not be a recent missed payment or even showing late now if it was discharged. Experian is not fixing the issue and when i try to dispute it again all i get is you have already disputed this. The dispute should have been done right from them in the first place then.
Product: Credit card or prepaid card

Made a purchase on XX/XX/2020 for {$28.00} on a XXXX website for electric bike on sale. Too good to be true. Order confirmed, shipped and delivered all on the same day. Tracking no. provided by the XXXX company was manual.Never got the delivery for electric bike. 
The credit card company asked me for physical proof. I send me them the photocopy of email transaction.I m told by the credit card company to send the details about returning the merchandise, what am I suppose to return. 
I have been denied the refund. Please do the needful. Thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had taken out a online credit line of {$750.00} and have been paying {$90.00} to {$94.00} ever y 2  weeks sinc e  XX/XX/XXXX  whi ch totals {$720.00} but my amount owed is still {$970.00}. There is no way to get this paid off the interest rate is 279.4 % I believe they are operating under another name upon further investigation which is misleading as well. As everything I have says speedy cash but I dug deeper and found the other name which I have attached
Product: Mortgage

Mortgage complaint XXXX/Sent XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Bcc : XXXX Wed, XX/XX/XXXX at XXXX XXXX  I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. 
You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. 

XXXX XXXX cc : XXXX XXXX President XXXX XXXX I signed and agreed to an interest rate of 2.75 and two days ago you called me and stated that some state of Georgia regulation required you to go up on my interest rates to 2.99 %. The question that I have is your company going to honor our initial signed agreement with the interest rate of 2.75 %. You also told me that my monthly payments would save me over {$100.00} per month nut however the document that you sent to don't reflect that type of a payment. The new payment monthly that I see here on this document is {$400.00} per month me current payment is know XXXX per month, I'm not financing my home loan just only to save only {$37.00} per month.Therefore I here by cancel this loan process. XXXX XXXX cc : XXXX XXXX President Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Tue, XX/XX/XXXX at XXXX XXXX  Sent from XXXX Mail XXXX XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX  Follow up complaint : XXXX XXXX Follow up complaint : Thu, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is a follow up to my original complaint. Please contact me as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a payment to someone I was buying an TV from and within minutes they proceeded to take out an additional XXXX plus the original of XXXX I sent for the TV for a total of XXXX. PNC would not take any action insisting I had not been scammed and neither would XXXX. XXXX would not get involved in helping my situation either.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per USC 15 1692g.

Despite following the correct procedures and citing my rights under the USC 15 1692g, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. 
Equifax further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
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. 


Account Name : XXXX XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History
Product: Debt collection

Alameda mortgage was in receipt of my cancelation of loan XXXX for XXXX XX/XX/XXXX. The law and contract says all of lenders interests in my property are canceled immediately period. They sent me a bill for the canceled loan while I made payments on the original loan for XXXX with Alameda. After I cancel Then they prove to me they have canceled all interests. Then they return the money they took from me for the loan, XXXX XXXX They did none of that. But I gave back money per contract, after a reasonable time for alameda to fix their breach of contract and law. I gave back almost XXXX of the XXXX they gave me. They paid off XXXX in cc. The contract said and the law that they have to ask for any more money or property or I may keep it. They did not ask. Then they sent a bill for the canceled mortgage then their attorneys said I was 44 days late to my attorney and then they sent their attorney to intimidate me again stating they credited the payments I made to them for the XXXX loan, to the canceled loan. They asked for escrow payments they never set up. My home was uninsured for 3 months because of them. But they continue to bill me for escrow and sent that to the money source. Now the money source is trying to collect on a canceled loan and for escrow payments. I fail to see how this company continues to get this agencies support when it isnt even trying to hide their unlawful conduct. Its a free for all on predatory lending, breaking the law, and unlawful debt collection because this agency gives them the green light to do so. This loan was canceled and they broke the law by not canceling it and you agree. Then you agree I have to pay an additional XXXX $ a month for 30 years to this company and I got NOTHING from this but ongoing serious financial injury, lost retirement income, lost hope, anxiety, and a firm understanding that this agency serves the criminal predatory lenders and punishes the single family homeowners who are retired and alone. The law means nothing here!
Product: Mortgage

I own a townhouse located at  XXXX   XXXX   XXXX ,  XXXX   XXXX , NJ. This property is part of  XXXX   XXXX .     The Master policy covers all insurance required by a mortgage company, i.e. all inside walls proof of this insurance has been provided on many occasions to  Loan Care   XXXX  by myself,  XXXX   XXXX  and the  Insurance  agent.      Loan Care  has ignored all of these documents and has placed lender forced insurance on my mortgage that is not necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked Experian, I saw my credit score ws XXXX. For the past 25 years it has been XXXX. I asked Experian why the score had dropped so much. The only different on my credit report was that I had paid off our mortgage, and all but one of our credit accounts has been paid off. Never late, never a problem. 

Experian passed me off to several people, none would take a dispute. 

I looked at my checking account and on XXXX, Experian had debited {$2400.00} from my checking account. They were not authorized to do that. I never signed up for any membership. Experian refused to credit my account for the {$2400.00}.
Product: Credit card or prepaid card

XXXX applied for two XXXX visas for my wife and me on XX/XX/2019 without our signatures and prior authorization and approval. This transaction is not valid because we did not consent for them to apply visas for us because we had valid visas in our possession that which XXXX staff was informed. Prior to re-boarding of the ship there was no checking of visas to enter XXXX and XXXX in order to determine whether a passenger is allowed to board or not in order to determine if passenger can continue to sail. We were aware of the visa requirement that's way we applied on-line for a XXXX   e.visa no. XXXX and no. XXXX, paid {$36.00} per visa on XX/XX/2019. 
Please note that on XX/XX/2019 XXXX charged us {$170.00} but upon our protest the charge was refunded on the same day as shown in the invoice or statement account of disembarkation. Hence this visa service was cancelled properly. Clearly the recharging of the same amount on XX/XX/2019, the day before disembarkation, is not valid and not authorized. This charge was disputed and protested on the same day it was posted on my account but no official action was taken then. Why was the charge posted on the day before departure? 

The disputed amount of {$170.00} is a charge that is not authorized in any manner. Without our permission to apply for a visa and without our signatures, no person or company can use my credit card without my signature or authorization as contained in the credit card agreements. 

Bank of America erroneously sided with XXXX that is why I am seeking your assistance.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( XXXX ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Credit Karma sent an email with the following message " XXXX XXXX XXXX XXXX XXXX could help you find a new card with fresh rewards like sign-up bonuses, cash back on everyday purchases, travel miles and buckets more. Plus, adding a new credit card to your mix and using it responsibly could help improve your credit scores over time. 

Pop over to Credit Karma for a preview of cards we've picked out just for you. 

Members with scores like yours increase their credit limit by an average of {$90000.00} when they open a new credit card. If you keep spending low, increasing your overall credit limit can help you lower your XXXX and improve your scores. 

Compare cards 1 Based on your XXXX credit report as reported on XXXX '' When I clicked on compare card, it shows several credit card offers. When I clicked the top most one from XXXX XXXX and filled out the application, I was sent a decline letter with reason saying " Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months ''. All the three bureaus information was used. 

This is insane. Credit Karma partnered with XXXX XXXX to market a credit card offer using my XXXX credit report as of XX/XX/. Both Credit Karma and XXXX XXXX had access to such an information but they went ahead marketing me a bogus card for which I would never have been approved. This is false marketing and attempt to just make my credit bad. 

Second problem with this is during the application stage, none of the XXXX XXXX material mentioned that there would be a hard inquiry posted for this application. Credit Karma also offers personal loans where the lenders such as XXXX would only do a soft pull and not a hard pull. But in this application, Neither Credit Karma nor the XXXX XXXX did not specify that a hard inquiry would be placed. 

Both these companies should be shut down for falsely marketing credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

DISCOVER FIN SVCS LLC # XXXX XXXX XXXX XXXX  # XXXX