23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an application for the American Express Platinum Card in the mail ( RSVP XXXX ). When reading the fine print for access to XXXX, as one of the benefits, the AMEX advertisement under " Additional Disclosures, Number XXXX '' makes this statement " The Card Member 's spouse and children under the age of XXXX or up to XXXX companions may enter the club as complimentary guests. '' Per XXXX Access and Policies ( XXXX ), it states : " Platinum American Express cardholders may enter the club with up to XXXX guests for an additional fee. '' That fee is {$29.00} per guest. This policy was last updated on XXXX XXXX, 2015. The AMEX policy was last updated in XXXX 2015. 

These XXXX advertisements are in direct contradiction. The AMEX advertisement fails " Truth-In Advertising Laws '' established by the FTC.
Product: Student loan

At the end of XXXX or early XXXX I called ed financial services to request a refund on my student loans. I believe the amount is {$6100.00} from ed financial, and another {$1700.00} from another provider. At the end of the phone call I asked when I can be expecting the refund. They said that they did not know at that time. I accepted that as a answer because I knew there were tons of people calling in to get their refund and this was new to everyone. On XX/XX/XXXX I called ed financial services again specifically to see if there was any new information about my refund. The representative told me she doesn't know and there is no way to find out. To this day XX/XX/XXXX I still have recieved no information at all, nothing. I understand this is a new process but to not have my refund or at least my account reflecting the process is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed all documents requested by the representative by the name of XXXX the early part of XXXX XXXX or around that time. This account was approved by the financial department to be written off due to me being indigent and I 'm quite frankly tired of seeing this on my report!! WHY? ask for documents for proof of the medical facility writing this {$150.00} off if it 's not going to be applied ... ... and dismissed for XXXX sakes.
Product: Credit card

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report. 
JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The items listed below are still reporting on my Credit Reports and needs to be deleted immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX,XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay so I tried to purchased a car around XX/XX/2017 and the dealer mention 3 accounts that are reported to my credit which they do not belong to me ... I been receiving missing payments notifications from XXXX XXXX   yet when I try to view the missing payments I can't never find them ... I had contact trans union and I have not heard from them.. the accounts do not belong to me and is affecting my credit score .. can someone please help me
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! 
The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To substantiate the seriousness of my identity theft claim, I am providing you with a legal law enforcement agency report, which was filed with a federal agency. I anticipate that we can resolve this matter within the required XXXX time-frame. 

I expect a written acknowledgment of the receipt of this dispute letter, as well as a commitment to investigate these issues diligently and impartially. The prompt resolution of this matter is in the best interests of all parties involved.
Product: Debt collection

On XX/XX/2020 XXXX Law ( Law offices of Mitchell D. Bluhm and Associates ) reported a collection account on my credit report from XXXX XXXX XXXX XXXX for {$960.00}. I was never made aware of this debt from the original creditor or the collection agency unitl on or about XX/XX/2020 when I began applying for a mortgage company and was made aware that is was negatively impacting my credit score from the mortgage agent and causing issues with my approval. On XX/XX/2020 I immediately contacted my insurance company XXXX of Illinois to find out what the issue was, I was informed that this should have been paid by the insurance, but due to a billing error betweein the hospital, medical group and insurance company it was not. Since any emergency issues are covered at 100 % under my insurance policy I was not aware of the outstanding balance. XXXX  of Illinois made arrangements to send payment to XXXX XXXX to pay the amount in full that day and said it would be processed in 7 days. I then contacted XXXX XXXX and left a message concerning the account. I recieved a voice message back on XX/XX/2020 confirming that it was a billing error and that they were contacting XXXX ( MBA Law ) to remove the account from collcetions and that I should expect a letter from the collection agency confirming the account was removed. I waited 2 weeks then contacted MBA Law to find out the status of the removal. They said I still owed the account. I asked if they had been contacted by XXXX XXXX and they stated that they had not. I understand things take time, however I asked MBA Law what I could provide them to expedite this since it is holding me up from obtaining a mortgage and she said she would " note my account '' and that I needed to show them proof it was paid. I asked if we could contact the creditor to confirm payment and was placed on hold she again said she said I would need to provide proof to them. I said I needed this removed completely from my credit report and not just show it as paid, and again she stated she would notate my account and that was pretty much it. I do not understand how a collection agency does not have to offer any information or a solution as to how to get the issue resolved with them when it is clearly an error on their clients part and causing a hardship. They are refusing to take any action to contact the creditor and resolve this issue or provide me with what is needed to have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX Chime bank was running a referral promotion. I was to refer one friend and get her to direct deposit {$200.00} within 45 days. I would in turn receive {$250.00} and the friend would receive {$100.00}. This is where things got messy. The Chime app instructions merely state that the person being referred must deposit {$200.00} within 45 days. The website, which unfortunately I didn't use, said that it must be a " single deposit of {$200.00} '' ... my friend did {$100.00} dollars from each paycheck based on the requirements the app listed. When I contacted Chime, they originally apologized and sent me to a supervisor ... That supervisor told me that all I needed to do was to have my friend call in and request a supervisor and confirm the situation. My friend did that and the supervisor she talked to said he would not issue the bonus because the single qualifying deposit of {$200.00} was not made. For about three weeks I went back and forth. I filed a complaint with the Better Business Bureau, I filed a complaint with their corporate office, and now this. It is not my fault that the app instructions do not coincide with the website 's. Thank you for your time and help... Please note I have all conversations between myself and Chime as well as my friend and Chime, but there's over 50 pages of text and I'm not submitting those one at a time and your system would not accept a zipped file
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2024| noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth h i t - s o m e o n e had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check t u r n e d into a n i g h t m a r e of nancial r e c o v e r y and stolen trust. Finally a c c o u n t s w e r e r e m o v e d e x c e p t this O n e in particular XXXX XXXX XXXX, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX Account Number : XXXX. Amount : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX to ; Consumer Financial Protection Bureau, U.S.Dept of the Treasury, Comptroller of the Currency, All credit reporting agencies, Capital One credit card re ; closing of account # -- -- -- -- -- XXXX, XXXX XXXX I am writing this letter, for a couple of reasons. Mostly to find out why, after over 20 years of having an account with Capital One, they decided to close my account. Not only close my account, but doing so without any apparent reason, and without warning or notice. That left me scrambling to make sure that all my creditors who were being paid by that card, didn't get a lapse in payment. 

A few weeks prior, my bank account was compromised, and that was also quite a mess. I had to scramble and notify every facet of my life that I had, to change my bank account info. Including Capital One. My payment fell into that day that everything was locked, and my bank turned that payment away. I called as soon as I saw that issue and discussed it with them. After a few days, and the billing cleared up, I payed that, and the next amount due. 

I understand that the banking industry has an incredibly strong lobby presence, and the ruling in XXXX 0r XXXX, gave the right for the bank to close any account they want to, without warning, for any reason, any time they want, and not contact the account holder for 10 days to 2 weeks. So that may be legal, but certainly not fair or ethical. 

About 10 years ago, I had a business that went under because I couldn't keep it running due to illness. I had a huge debt that I incurred, not only to suppliers, but to credit card companies. By all rights, I should have done a bankrupcy, but I did not, because of my ethical beliefs. I kept the Caital One card through it all and have restored my credit to good levels. 

I tried to talk to someone at Caital One when we found that the account was closed, but no one would give me a chance to talk with someone, who could explain what the problem was. They said that I would be contacted by mail in 2 weeks. I was told that the office resposible for the closing of the account, didn't have a phone that is accessible to the public. That's about 2 weeks ago, and I still have not heard anything. 

The closing of this account also lowered my credit rating by about 25 points. That is something I guess I have to live with. 
Of course I'm going to pay my last bill at Capital One, even though I've lost cash back from the closing of the account, because that's what I believe is right. 

thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I was sent to collections by ideal collection services inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX XXXX XXXX son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working XXXX jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay ideal collection services their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off ideal collection services SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at ideal collection services is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take ideal collection services off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion for their failure to properly investigate and remove fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and following the appropriate steps, TransUnion has failed to fulfill their legal obligations and has caused undue harm to my credit profile and financial standing. When I contacted TransUnion by phone, they informed me that the disputed items would not be removed. Upon requesting the method of verification, I was told that e-OSCAR had verified the items. I further requested a direct investigation with the creditors, as the accounts are fraudulent, but TransUnion claimed they could not investigate if the creditors did not remove the items. This response is both inappropriate and in direct violation of my rights under the FCRA ( 611 ( a ) ( 1 ) ( A ) and 605B ). These accounts were fraudulently opened without my authorization. I have taken the following steps to dispute these accounts : Filed a police report regarding identity theft. Completed and submitted the FTC Identity Theft Report.

Contacted TransUnion directly to dispute the accounts. Provided all required documentation, including proof of my identity and residence. The fraudulent accounts in question are : XXXX XXXX : Account # XXXX | Balance : {$25000.00} XXXX XXXX  : Account # XXXX | Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing 3 accounts with XXXX that were paid on XX/XX/2019.  I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019.  I have not received my letters and they are still on my credit report showing the balances.  I paid XXXX, XXXX, and XXXX on XX/XX/2019.
Product: Mortgage

Dear Sir/Madam : I received a notice from New American Funding on XX/XX/XXXX. The notice stated that my required escrow payment will increase by more than 800 % beginning XX/XX/XXXX, from {$60.00} per month to $ XXXXThis will increase my monthly payment by 33 %. 

The mortgage originated in XX/XX/2021. 

In reviewing the documents, it is clear that at the origination of the loan, New American Funding made errors in estimating the closing costs, and in setting my payment, and that the loan approval and payment calculation was based on this error. 

The closing documents list property taxes of {$60.00} per month. However, the correct property taxes charged by DC are about {$400.00} per month. This error is repeated on multiple documents. 

New American Funding now is increasing my payment to cover both the correct property taxes ( about {$400.00} pr month ), and the approximately {$7000.00} shortage from last year that resulted from their error. The error was repeated in every step of the closing process.
Product: Credit reporting or other personal consumer reports

UPGRADE violated Federal Privacy Notices & Privacy Policy by reporting the account to XXXX and XXXX. 
Specifically UPGRADE Privacy Policy states that it DOESN'T SHARE personal information with non-affiliates. See attachement.
Product: Mortgage

I was reported to the credit bureaus as 30-days late, but the records I have of cleared checks from my bank shows cleared checks within the 30-day mark. When I talked to the representative today, she said that I have been paying the incorrect amount. However, I have not received notification that my payment amount has changed. What I usually do ( and what I believe most consumers who are busy with work and daily living do ) is looking at my " History '' online to see if there is anything wrong and by the way it appears online ( at least to me who is not a financial/accounting professional ) when I look at it every time, nothing seems to be wrong. 

The representative I talked to today collected {$150.00} plus a fee to make my account current. ( My life can be ruined by a {$150.00} amount ). When I looked at my checking statements, the checks were cleared by my bank. SO, it is hard to see the change in the payment amount, and I did not receive a clear notification by mail, email or even a phone call. That way, consumers can make sure we don't get reported to the credit bureaus which could be devastating for some of us especially for someone like me who is recovering from the recession and has worked long and hard to bring all my accounts current, and be reported for not informed of changes to my mortgage payments ( though, they keep sending computer-generated letters convincing me to either buy a new house or refinance ).
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 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 creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXXXXXX 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

i NEED YOU REMOVE SOME INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FCRA section 611 ( A ) ( 5 ) ( b ) ( ii ) states Experian is required to notify me 5 ( five ) business days. 
( B ) Requirements relating to reinsertion of previously deleted material. 

Remove this item because your violation my rights as a consumer
Product: Debt collection

This account was associated with an old rental property I owned. I sold the property and the electrice service then transferred to the new owners of the property. At some point they apparently got behind and the delinquency was mistakenly attached to my account. I thought it was resolved until I recently had a thorough review of my credit and see that it was assigned as a delinquent account in XX/XX/20. The attached document serves as evidence that the power company accepted the responsibility for the error and assured me it would be removed from my credit. I am just now finding out that it wasn't and need to have it removed as soon as possible. ''
Product: Credit reporting or other personal consumer reports

am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the with the original contracts as I requested for {$5800.00} and {$900.00}.