23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I applied for an American Express XXXX XXXX XXXX with the offer of receiving {$250.00} if I spent {$3000.00} in the first 6 months which I did. On XX/XX/XXXX, I spoke to XXXX at American Express and confirmed I had spent {$3000.00} and would be receiving this offer. He acknowledged I would be getting the offer after a few statements closed. At no time was it explained to me that I would not get this offer. Last month, | called American Express a few times and they said they would look into and call me back by XXXX XXXX l didn't hear back as promised so I called back on XX/XX/XXXX. I was told I would not be getting the {$250.00} Welcome Offer and they wouldn't give me a reason. I spoke to XXXX who didn't have an answer so l asked for a supervisor. I held and then the call was disconnected. The call was over 28 minutes with no answer. They called back and no one was on the call. I felt as though I was hung up on purpose and the call back with no one on the line seemed also on purpose. 
I called back and spoke to XXXX who said, '' It's not providing specifics. '' I asked for a supervisor and spoke to XXXX who said there are certain factors why I didn't get the promotion. I ask what they were and he said, '' It doesn't provide the certain factors ''. I asked to speak to his supervisor and XXXX said nothing to explain why I didn't get the promotion. It should be noted that I have been with American Express for 30 years since XXXX and never received this welcome offer prior. One confusion was I had an American Express XXXX XXXX XXXX card since XXXX. After getting approved for the new card on XX/XX/XXXX, it was suggested to upgrade this card at no cost. This card was approved on XX/XX/XXXX. When I received it, I couldn't understand why | had 2 American Express XXXX XXXX cards. I didn't understand that was the upgrade. I cancelled the XXXX after a great convenience to cancel all my autopays. Why didn't American just offer to upgrade the XXXX card?
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates XXXX XXXX has shared my private information with a third-party agency, LVNV Funding Collection, without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I am concerned that the disclosure of my information may not have met the accuracy standards required by law.
Product: Mortgage

To whom it may concern : On XX/XX/XXXX, I took out a Mortgage in the amount of {$240000.00} with XXXX XXXX XXXX XXXX XXXX. 

Thereafter, I fell behind on my Mortgage payments, and I signed a Loan Modification agreement on XX/XX/XXXX with XXXX XXXX XXXX ( by Loancare LLC, as Agent under Limited POA ). The terms of the loan modification agreement were as follows : Unpaid principal balance to XXXX : {$170000.00} Unpaid principal balance to HUD ( serviced by ISN ) : {$71000.00} Presently, I am closing on my home, and XXXX, through their Attorney, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, has sent me a payoff with what appears to be an incorrect unpaid principal balance to XXXX. 

XXXX is now claiming that my unpaid principal balance is : {$230000.00} I believe that this amount is incorrect, because the payoff to HUD ( serviced by ISN ), states that I still owe HUD {$71000.00}. I have alerted both the Lender ; and the Title Company handling my closing has notified their Attorney of this issue. Unfortunately, to date, neither has corrected the issue ; or provided supporting documentation to account for the additional {$64000.00} that XXXX is claiming they are owed.
Product: Credit reporting

There are apparently houses and cars purchased on my credit report which I own neither of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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

I was notified today which is XX/XX/year> from XXXX XXXX that there was a new hard inquiry on my credit report. I have not requested any kind of credit requests or inquiries so I looked at what this inquiry was about and it said it was from CB Indigo. I XXXX this company and it is some credit card account, but I 100 % did not request this account or give this company any of my information. Either this was associated with my credit report in error or someone has fraudulently applied for a credit card using my SSN and other information and I need this removed from my credit report, and if there is now an associated credit card account because of this inquiry, it needs frozen and closed immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit, or I will take legal action as soon as possible. I have been a victim of identity theft before, and lenders keep requesting for my consumer file and I did not authorize any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX***-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below are reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed items which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.
Product: Checking or savings account

In XXXX of this year my wife and I were almost {$3000.00} paid ahead on our car loan, we wanted to stop the payments so we could use the money for other things. The manager at PNC said he can do that. On XX/XX/XXXX we started receiving late notices from all of our debtors, nothing was being paid, so I called PNC to find out what was going on, a woman by the name of XXXX XXXX called me and told me the manager had frozen all of our accounts payable by mistake and that they were going to fix this. Now I'm 2 months behind on everything and they have done nothing! They took a mortgage payment out in XXXX of this year and it was never submitted for payment and was not credited back to our account. There third party contractor that handles these payments called me, his name was XXXX, he said the payments would resume within 24 to 48 hours and that never happened. We are in the process of changing banks because we are the only ones trying to fix this. PNC had offered no help figuring this out and I requested an audit of the account starting in XXXX and have never heard back from them. I had 2 utility companies show up at my house to shut gas and electric off because of non payment. PNC has done nothing to help figure this out. I'm on a fixed income and disabled so this is a big problem for me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report. I noticed some inaccurate information being reported. I submitted a dispute and the item was removed from XXXX and XXXX. I sent a copy of the results to Equifax. Under the FCRA all information is to be shared between the three credit bureaus if any information is found to be unverifiable. inaccurate or incomplete.
Product: Credit reporting or other personal consumer reports

: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you verify the documents? There are discrepancies in the reporting, amounts, and dates of some accounts listed.
Product: Student loan

My name is XXXX XXXX and I am making this complaint against Navient because it is my belief that Navient is not in possession of the original instrument of indebtedness and this note may have been sold or traded without novation or consideration. In accordance with the freedom of information act, I'm requesting that Navient produce the original instrument or proof that it hasn't been sold. I am aware that in accordance with XXXX XXXX that only the holder of the note may collect on an instrument. 

Please provide me with your statement of the amount owing as of XXXX XXXX, 2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form ( no copies ). I would like to make arrangements to settle the above referenced matter. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XXXX XXXX, 2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Product: Debt collection

I settled HSBC credit card debt with a third party years ago. This is the fourth collector that's gotten in touch with me claiming I still owe, threatened arrest warrants, and is even threatening my family with legal recourse/arrest. 

I've confirmed with HSBC it was settled. It also shows as such on my credit report. The number that initially calls you is XXXX and leaves a voicemail that directs you to call XXXX, where someone picks up and claims to be associated with " XXXX. '' He new the last four digits of my social security number which makes me very nervous.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 4 accounts posted as derogatory should be deleted.,
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 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 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 in inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed there were multiple accounts listed that do not belong to me. I've never heard of these companies reporting. The accounts are as follows : Credit Collection Service ( XXXX  ) - balance {$480.00}, posted on XX/XX/XXXX Credit Service Inter XXXX XXXX XXXX XXXX ) - balance {$1700.00}, posted on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX balance {$2200.00}, posted on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested on XX/XX/2023 that Equifax remove a medical-collection debt on my credit report. The amount is less than the {$500.00} minimum threshold established under the new credit reporting rules. Equifax failed to remove the medical-collections debt and informed me on XX/XX/XXXX that the debt had been verified and will remain on my credit report.
Product: Credit card or prepaid card

I have sent two payments to Bank of America certified mail in XXXX. It is now XXXX and Bank of America has yet to apply my payments to my account or return my payment. On XX/XX/2022 Bank of America closed my account and kept my payment without notifying me. This puts this financial institution in dishonor and holds serious grounds for civil and criminal liability.
Product: Credit card

I have been issue an refund from delta XXXX for {$400.00} and this was agree to refund as check, i never got it and the customer keep saying this has been send out and I phoned in many time and still unable to get the check, now Could i please get help resolve this and an addtional compensation for such horific experince and interest lost on money during the past 3 month
Product: Credit reporting or other personal consumer reports

I disagree with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which still appears on my credit report, even after I have dispute the address both electronically and verbally over a phone call. I don't know this address, I don't live at this address, I don't recognize this address.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I had a fraudulent charge of XXXX in my credit card, I discovered it when I looked my transactions online on XXXX/XXXX/XXXX, I contacted their fraud department the same day, the charge was credited. 
On XXXX/XXXX/XXXX XXXX am I contacted a supervisor named XXXX, in order to complain, because I was never contacted by the CC company to alert me about this transaction, that 's completely out of my normal transaction during the 15 years that I 've this CC, the answer was that they did n't have my authorization to contact me, how could a company state such an stupid excuse?
Product: Debt collection

I requested that Equifax remove the delinquency report from XXXX  credit card from my credit report because my account has been used by a third party affiliate that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report, called the Company ( XXXX ) to dispute, called Equifax in regards to this matter, and sent dispute letter.
Product: Debt collection

I am writing to formally request validation of the debt that you claim I owe, which is referenced in your communication I am requesting that you provide the following documentation to verify the legitimacy of this debt The amount of the debt, including any interest, fees, and charges. 
The name of the original creditor. 
A copy of the signed agreement or contract that obligates me to repay the debt. 
A detailed history of the debt, including the dates and amounts of any payments made. 
Proof that you are authorized to collect the debt on behalf of the original creditor. Please note that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide this information. Until I receive proper validation of this debt, I am not obligated to make any payments or further communication regarding it. 

Additionally, I request that you cease any collection activities on this debt until validation is provided, as required by law. 

Please send the requested documentation to my address listed above within 30 days from the date of this letter. If you fail to validate the debt or provide the requested documents, you must cease all collection efforts and remove any information regarding this debt from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue.