23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was offered an XXXX on my Macy 's card to a Macy 's XXXX XXXX. I accepted the offer and did not receive a card. I called They said to wait XXXX billing cycles which I did and still never received a card. I called back and was told that after reading the notes the card would be sent and I was given a credit to my star rewards for my inconvenience. ( which didn't even post correctly so i couldn't even use it ) But I never received the card. I spoke to another associate XXXX weeks ago and was told I would get my card in XXXX days. And I still have not received it. I just called into customer service today to get help with this issue and the representative was very rude to me and spoke over me. I asked for a supervisor at which point he still did not want to transfer me to a supervisor. I demanded to be transferred. He placed me on hold and the call was disconnected. 


I just want to receive the Macy 's XXXX XXXX card that Macy 's approved and upgraded me to. 

The screenshot that I have included shows the XXXX logo on my account which was not there before they upgraded my account.
Product: Student loan

I recently received an update to my eligible payments under XXXX. XXXX payments from XXXX have been marked ineligible without sufficient explanation. When I attempt to call, it is dropped. Chat is unavailable, and email gets a copy/paste response. 

I am a XXXX XXXX teacher, teaching for XXXX years. I consolidated into XXXX XXXX XXXX years ago.
Product: Debt collection

Allegedly, I had insurance i didnt pay for. Never had a XXXX. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. This has affected me as a single dad of XXXX children. Someone needs to hold them accountable for this
Product: Checking or savings account

On XX/XX/XXXX Chase close my account the balance in my account was {$770.00}. Call Chase to find out when the check for the remaining balance was going to be mailed out they told me it had already been mailed out and that should receive it within 7 days and nothing so I called again and they told me that the money for the remaining balance was suspended and that they did not know when I will receive those funds I got a statement stating that chased it a debit XXXX for the amount of {$770.00} so they have not yet to send me a check for that amount all I want is what belongs to me.
Product: Debt collection

I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.
Product: Credit card

American Express offers Amex Offers wherein customers can save a certain amount of money for meeting certain spending thresholds. You must add these to your card before making the purchase to be eligible. Prior to purchase, I added an offer for XXXX XXXX XXXX  to my Amex Business Plus card ending in XXXX where if I spend {$350.00} by XX/XX/2023, I would receive a {$75.00} statement credit back. This was eligible for rentals within the US and US territories and I had a purchase of {$570.00} which appears on my credit card statement for my card ending in XXXX as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' for a rental I made there. This transaction posted by the deadline of XX/XX/2023. I contacted Amex and they are refusing to honor this term as they claim it did not meet the requirements, despite everything showing that it does. I contacted them on XX/XX/XXXX and XX/XX/XXXX to resolve this matter short of filing this complaint and they have refused to honor their own terms. This is consumer fraud and clear bait and switch as I never would have used this card for this purchase was it not for the statement credit.
Product: Mortgage

I sent a PMI removal request to PHH Mortgage in XXXX and now it is XX/XX/2022 and they have not sent an appraiser to have the value of my home considered. The Homeowners Protection Act says a homeowner can request the PMI removal once the value has fallen below 80 % LTV. In XXXX we provided PHH with a BPO listing 6 homes that had sold within the previous 3 months that would put our loan well below 80 % LTV. All of those home were within 100 sq ft of mine, did not have a pool, and had similar upgrades. PHH has collected and not refunded the {$150.00} we paid for the appraisal process to remove the PMI nor have they cancelled the PMI which is {$71.00} a month. Had interest rates remained where they were a year ago we would have just refinanced to get away from them but the new rate would be over double my current rate.
Product: Debt collection

Sent a letter to Penn Credit 35 days asking for information about this debt. Didn't receive anything back. Reached out to Penn Credit XX/XX/2018. Asking for them to respond to my letter. XXXX, stated they no longer have this debt and i would need to reach out to someone else.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I found some Fraudulent & Illegal accounts and information on my credit report that you need to remove. They are listed below. Please remove these Fraudulent & ILLEGAL accounts and information. Please send me a copy of my credit report after it is completed. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is old information. Switched insurance companies. No laps in coverage. This company wanted me to pay for this when I had switched in the proper time frame. Still on my report.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the item : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, or personal loan

A fraudulent payday loan was opened in my name in a Indiana store location. I'm a Illinois resident and never took out a payday loan with Advance America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting charges that are not mine.
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. 

Account name : XXXX XXXX, has violated my rights. 

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, States a consumer reporting agency can not furnish an 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 and crimes which antedates the report by XXXX years. 

15 U.S.C 1681 s-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 reasons cause to believe that the.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I noticed I had XXXX charges from XXXX  on my XXXX credit card that I did not authorize. Once I saw this, I contacted XXXX XXXX and mentioned that I had fraud on my account. at this time, they put a credit on my account for the full amount of the fraud however, XXXX also noticed the fraud and added a credit to my account. Once this occurred XXXX XXXX took away the account credit they had sent me and around the same time, XXXX took away the credit as well. The 2 organizations believed the other had taken care of me already and none had. This left my account in the negative and from there I have been going back and forth with XXXX XXXX to get this resolved however every time they credit my account the next day they pull the funds back out again. I have a police report now for this incident because I am unsure what I can do at this point.
Product: Student loan

I have been enrolled in the Rate Reduction program with Navient for the past XXXX years. Every XXXX months I have to reapply and the interest rate is adjusted. To be on this program, Navient requires a direct withdraw from my checking account. For the past XXXX years, my monthly payment has been allocated incorrectly between my multiple loans. Each month there are adjustments made to move the wrongly allocated payments to my other loans. This renders my statements useless as a tool for me to understand how my payments are being distributed, how much is going towards interest, how much is going towards my balance, etc. 

Over the years, I have attempted to fix this problem with Navient. Each time I try, I am given a reason why this has happened and I am assured the problem is fixed ( each time it 's a different reason mind you ). Unfortunately, I 'm being lied to each time because the problem has never been fixed. 

Earlier this year, when I reapplied for the Rate Reduction program, I explained this ongoing issue to the Navient employee doing the paperwork. He assured me that the problem would be fixed during my enrollment for the next year. Unfortunately, once again, the problem was not fixed.
Product: Student loan

I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.
Product: Credit reporting or other personal consumer reports

I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXXXXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit 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 XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,
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 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 has violated my rights. 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. 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. The following inquiries were also opened under my social security number fraudulently as well.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or outdated information on my credit report. I believe these items are being reported in error, and I am requesting that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) .I discovered these inaccuracies on my credit report dat. On XX/XX/year> I submitted a dispute through Experian online However, these items remain unresolved despite the evidence I provided.In accordance with the FCRA, I am requesting : 1. The immediate removal of the inaccurate items listed above. 
2. Written confirmation that these items have been removed or corrected.

3. A revised credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Hello, these companies have been disclosing deceptive accounts. I've provided evidence indicating they're infringing upon my consumer rights. Despite this, the companies have failed to furnish any evidence of violation or justify the alleged debt placed for collections. Despite my repeated attempts, the issue remains unresolved. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX  XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.
Product: Bank account or service

On XX/XX/XXXX I opened a bank account at bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written boa and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Product: Checking or savings account

I received a promotional offer in which Citizens promised to pay a {$500.00} reward if I put {$10000.00} on deposit in my Citizens savings between XX/XX/24 and XX/XX/24 and kept it on deposit until at least XX/XX/24. I met these conditions, but Citizens only gave me a {$250.00} reward. I inquired about this by email to my local branch XXXX and received no response
Product: Credit reporting or other personal consumer reports

I noticed on my credit report alerts from XXXX that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 XXXX XXXX XXXXXXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXXXXXX 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  NJ XXXX