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

I have an issue with American Express regarding my Delta Air Lines SkyMiles Platinum card Account ending XXXX 


XX/XX/2023 American Express charged me a {$250.00} annual fee for my Delta Air Lines SkyMiles Platinum American Express card. 


XX/XX/2023 I called American Express to discuss options regarding the annual fee and the AMEX XXXX was quick to cancel all the cards associated with the account, never discussing options and never disclosing or hinting at the fact that I might not be entitled to a full refund for the {$250.00}, my sole reason for calling. 


End of XXXXXX/XX/2023 I called American Express again because my account had not been credit the {$250.00}. The AMEX agent was surprised that after 24 years of loyalty to AMEX, the agent on XX/XX/XXXX was so quick to cancel the cards, without attempting to retain me as a customer or discuss other card options. I explained that I was seeking that the {$250.00} be refunded or the card be reinstated. The agent promised to launch an investigation which would include reviewing the recorded call from XX/XX/XXXX and that I would be notified by mail within several weeks. 


XX/XX/2023 American Express never sent me the promised letter regarding the results of its investigation, so I called again. The AMEX XXXX reviewed their internal investigation and explained that their terms and conditions that I received 24 years ago on opening the account state I have 30 days to cancel the account and not be charged the annual fee. Calculating XXXX business days from the date of annual fee charged on XX/XX/XXXX, I should have been granted a window to XX/XX/2023, and I called on XX/XX/XXXX. 


I sought diligently to find a solution that was reasonable. I continued to request that : ( 1 ) the {$250.00} fee be refunded ; ( 2 ) the card be reinstated ; and ( 3 ) the agent introduced a third possibility, that the {$250.00} be credited towards the annual fee of a new AMEX account. The agent promised that her supervisor would call me within four hours to resolve the issue. The call concluded at XXXX XXXX ( EDT ). Regrettably, another broken promise as I did not receive a call from AMEX, not even a courtesy call explaining that the supervisor would contact me at a later date. 


During my 24 years of association with American Express, I had always found the company to provide excellent customer service, responsive and cooperative. During XX/XX/2023, its a radical decline : unreasonable and completely unresponsive.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been 4,5 yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention that.
Product: Credit reporting or other personal consumer reports

I was clicking on the " AUTOPAY '' website associated with thesavingsgroup.com to VIEW potential auto loan refinance rates. I did not apply or authorize any hard credit inquiries. I did not type in my social security number but they managed to pull a hard credit inquiry without my permission. I want this HARD inquiry removed from all my bureaus. I called the company and they refused to do so. I did not apply for any loan with them, was just trying to view rates and they required name and email. I did not give authorization for a hard credit inquiry and want this inquiry removed.
Product: Credit reporting or other personal consumer reports

I suspected my information had been acquired by a party that might use it for identity theft reasons. I attempted to access my credit reports, and I was able to place a freeze 2/3 credit institutions. 


TransUnion 's online services are abysmal. And the fact that they render the information and protection services " closed '' at the end of a business day ( do the scammers not scam after XXXX PM EST? ) We are not able to access a freeze service or otherwise implement security measures on our own property with a company that has so much influence over the opportunities in our lives? And what happens when someone gains access to this information? XXXX TransUnion recompense those people? 

TransUnion : you enjoy all the privileges and protections of power over all the citizens of this country. The fact that your website is nonoperational alone is UNACCEPTABLE! Not to mention your inability to offer 24/7 assistance to consumers over whom you have so much power and with whom you apparently refuse to work is DOUBLY UNACCEPTABLE!! 

These are reasons scammers and identity thieves are so able to hurt regular people. And of course you take no responsibility or credit.
Product: Debt collection

A company that has presented itself as Warner Asset location services ( claims processing department ) has called me on multiple occasions over the last few months because they are trying to get in contact with a former co-worker of mine. They have indicated the former co-worker put me down as a reference back in XXXX. I have told them I do n't know what this is about. That him an I do n't speak. I did not give permission to be added as reference and to please stop calling me. They refuse and have continued to aggressively contact me from multiple numbers. They say their " sources '' confirm we are family ( We are not ). I do not have any delinquent debts. I am tired of blocking their numbers.
Most recent call was today XX/XX/XXXX- from XXXX. They have also called from : XXXX ext. XXXX. Today 's representative 's name is XXXX.
Product: Checking or savings account

I never received my card. 
After my pay was deposited it was all stolen off my card. 
I never received it and never got to set my pin. 
Alliants response was sometimes cards get stolen but we don't cover that. 
This is wrong. 
I also asked for the information they used in the investigation and they refused. 
I've been banking with alliants for XXXX  months and never had a problem untill now.
Product: Credit reporting

In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.
Product: Payday loan, title loan, or personal loan

I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.
Product: Debt collection

XXXX XXXX an account with capital one was discovered in my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and files police report. Capital one is still not removing this account from my credit report
Product: Credit reporting or other personal consumer reports

I have never had XXXX XXXX XXXX as a creditor. Per my research XXXX XXXX XXXX is a debt collector falsely attempting to collect a debt that isn't there's. 
I have requested that XXXX XXXX XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with XXXX XXXX XXXX  In addition please provide the contract signed between XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX. notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Payday loan

I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/NAVI XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the this account : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/2005 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/JC PENNEY PLCC ( Hotel and travel ) - XX/XX/2023, I went to JC Penny and wanted to open a card. I don't speak well English so I asked the cashier for help. I did not understand what happened there, they told me I would receive a letter in the mail. 
My daughter called today and after they kept hanging up while investigating for about 3 times, we finally got someone on the phone who could explain. She said it was not approved due to my social not matching my info, there was an extra XXXX entered. I have a XXXX score and get approved for credit cards for limits like XXXX XXXX or XXXX XXXXXXXX. There was no reason to not be approved other than on the application there was an extra XXXX entered when we applied with the cashier. Can we please have this removed from my credit? My full social did not match, and if they revise it, I would get approved for a good amount. At this point I don't need it, but it makes no sense to have them not work with me to correct it.
Product: Student loan

I have a private loan with Navient and graduated school in XXXX 2016. When i graduated I was unemployed, and when they contacted me to begin making payments, would n't offer me any affordable options. The payments they expected were around $ XXXX, with the option of extending the loan and bring it to around $ XXXX, which is still not affordable to someone who is unemployed. I tried to pay what i could afford on numerous attempts, but what i suggested was turned down. I have also been harassed with phone calls and voice mails that were left in a threatening tone. Multiple people close to me have also received non-stop calls from Navient representatives.I feel like there should be options for people who ca n't afford the monthly payments, but still want to pay what the can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX  as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. 

In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months. 

Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more? 

By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. 

TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. 

In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. 

In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. 

On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence. 

In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. 

They mention the next steps is to reach out to consumer finance, which I am writing to you today. 

Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. 

I do not know what else to do. 

Please let me know if you need anymore more information Thank you
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. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also 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 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 accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,