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

The application for credit card was submitted online XX/XX/2021 I received a suspicious phone call from American Express XXXX stating they were from the fraud department of American Express asking me to verify my full SS # not the last four digits, I was not able to comply with giving my personal information to an unknown person, it is very suspicious of a credit card company to send a letter be sent from my bank to verify my home address and that they were unable to verify my SS #, in todays modern technology all information of previously accounts with any credit card company closed or open account access you have to have a legal record of accurate information is sent to the credit bureaus the matter of their verification of my information is not needed if they are the actual credit card company all the information is in the database records. 
My name address is the same previous account no with American Express all is verified by the Credit Card Company.
Product: Credit card or prepaid card

On XX/XX/XXXX my employee XXXX XXXX Charged Airline Ticket with XXXX in the amount of {$2700.00} on company 's ( issued in his name ) XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX issued by Barclays Bank Delaware. 

He completed first leg of journey on XX/XX/XXXX while still had return portion due to travel on XX/XX/XXXX. 

Mr. XXXX received a call from XXXX XXXX XXXX notifying him of suspicious activity on his card, upon which he verified that XXXX and two other XXXX transactions were valid and remaining were not. 

upon receipt of new statement MrXXXX XXXX called and advised the bank that he was issued credit for XXXX even though he confirmed to the agent that the charge was valid. The agent informed Mr. XXXX that it was an error in Bank part which has already be corrected and XXXX was not debited therefore he did not need to worry about anything. 

When Mr. XXXX called XXXX for seat allocation and reconfirmation prior to his travel he was told by XXXX that his ticket is frozen for nonpayment as credit card company did not pay the airline. 

When Mr. XXXX called the Bank again, he was told the bank will take care of it. He received a letter in the mail stating that regarding claim and a credit has been issued to the card, then the credit was reversed on the card and card was charged again. 

Mr. XXXX spoke with several agents at the bank and they insist that XXXX has been paid. Mr. XXXX spoke with several XXXX agents on the phone and in person at XXXX airport location and they all advised him that airline has not been paid therefore his return portion is still frozen. 

Mr. XXXX forwarded the matter to me and I spoke with XXXX at Claims/Disputes and he promised to investigate the matter and would get back to me, which he never did. I called again and I explained to him the situation and insisted that He must stay on the line with me when i call XXXX since he was not willing to call XXXX to resolve the issue. XXXX stayed with me while I spoke with XXXX agent on the recorded line and XXXX agent informed us that XXXX has been paid therefore the ticket is frozen. XXXX advised me that he will work on the resolution and get back to me but it has been over 2 months and we have not heard from XXXX or any one from the bank in writing or via phone. 

In short currently we have paid for the entire ticket, used only one way. XXXX Claims non receipt of payment, Bank claims they have paid. Bank caused the entire mess by disallowing payment in the first place and issuing letter to XXXX regardless of what actually happened therefore Bank is responsible to clean the mess up. 

Furthermore, there is high probability airline may not allow Mr. XXXX on its flight unless the matter is cleared. 

It is bad customer service and poor handling.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for their presence. I regularly check my credit report, but this time, I found unexpected inconsistencies. Hoping it was just a browser error, I refreshed the page, but the inaccuracies persisted. Because of this, I am requesting a careful review of the documents I provided to ensure that this issue is permanently resolved.
Product: Credit card

We have been processing all payments via ACH from our bank for many years. We pay our bills in full and on time, every month. Our credit scores are over XXXX. We have notifications set at the bank to notify us when a payment is made to our accounts. In XXXXXXXX XXXX XXXX, I received notification that my Citibank Mastercard did not pay on time. When I went to my bank website, I found that instead of an ACH transaction, the bank sent a check to Citibank for this particular account. I called my bank to find out why they sent a check, the bank said that Citibank required a check be issued. I called Citibank, the customer service rep asked if I had the correct mailing address, he confirmed that I did. He flagged the account so no interest or late fees would be accrued. He also stated that Citibank had changed their payment process. I asked why my XXXX Citibank account didn't have this issue, he stated that not all accounts have been changed but may in the future. The check cleared 2 days after the due date. 
Taking that information into consideration for my XXXX XXXX payment, I scheduled the payment to be made prior to the due date however, the check cleared 4 days after the due date. Again, I called Citibank, they apologized and waived all of the fees again. 
In XXXX XXXX, taking this all into consideration, the due date each month being the XXXX, the check was issued by the bank on the XXXX of XXXX for my requested pay date of XXXX XXXX but the check wasn't posted by Citibank until XX/XX/XXXX. Again, I called Citibank, they waived late fees again and said they were going to waive the interest that they charged but that hasn't happened yet. 
I asked to be transferred to file a complaint with Citibank because it doesn't seem to matter how early I send the payment, they are posting it late. The customer service rep told me that they were recording the call and that was a means of filing the complaint and also that I can set up my account allowing Citibank to pull their payment. I am not opening my accounts to any person or company to withdraw funds.
Product: Credit reporting or other personal consumer reports

It has become clear that Citibank has disclosed my nonpublic personal information ( as defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) " Account balance information, payment history, overdraft history, and credit or debit card purchase information '' ) to at least three nonaffiliated third parties, XXXX, XXXX, and XXXX. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6801 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, by law financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

Citibank has never given me a reasonable means of opting out of disclosure of my nonpublic personal information, as required by federal law. I have OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given Citibank to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 127 violations of my privacy regarding my accounts with Citibank since XXXX. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

Following were the terms of my PARTIAL OPT OUT : 1. I do not authorize you disclose account balance amounts.

2. I do not authorize you to disclose account payment amounts.

3. I do not authorize you to disclose instalment amounts or terms.

4. I do not authorize you to disclose credit limits.

5. I do not authorize you to disclose credit purchases.

6. I do not authorize the reporting of my payment history in $ amounts.

7. I do authorize the disclosure of my account payment status ONLY ( Paid, or Paying as agreed ) I have received no response after my express OPT OUT on XXXX XX/XX/XXXX, and Citibank is still disclosing my nonpublic personal information to XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX. I demand the removal of these incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want these incorrect numbers removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as this incorrect name : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed, by US Postal Certified Mail, XXXX a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. XXXX did remove/delete all except a Discover Financial account. I then mailed Discover, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both XXXX and Discover have still not removed this fraudulent account from my credit report. Discover mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. Discover also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my XXXX credit report.
Product: Vehicle loan or lease

I have a car loan through, '' Ally, '' and my regular payment is {$340.00}. My bill for XXXX was {$340.00} - which included a {$1.00} late fee. ( For a payment that WAS N'T late ) I mailed in a personal check for {$5300.00} and wrote, in bold letters, in the memo " XXXX toward principle. '' My payment was due on XXXX XXXX and the check cleared my account on XXXX XXXX. 
I received XXXX statement and it was for {$160.00}. I called Ally and asked " XXXX '' - Why are n't my payments the same amount? It should be the {$340.00} with the {$5000.00} applied towards principle. Are you trying to prolong the loan so you can collect more interest?! 

I was given the answer, " Well it was all applied towards principle. '' put on hold and transferred to someone who was not knowledgeable and proceeded to give me incorrect information. Such as my loan was " supposed to extend till XXXX '' and I had another late payment for XXXX XXXX which was paid early ) This is not the first time this has happened. I have paid extra towards the principle before and they applied it towards my monthly payments. Only sending me statements for 3 months for interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter  XXXX bankruptcy that was granted a discharge XX/XX/XXXX by XXXX XXXX. I did not sign a Reaffirmation Agreement and I kept possession of my XXXX XXXX financed through T.D Bank and continued my payments. After a car accident the XXXX was deemed totaled by the insurance company and T.D Bank was paid in full and T.D Bank actually was overpaid and had to cut me a check for the difference. 
T.D Bank has repeatedly reported to XXXX credit agency incorrect and negative account information. I have reached out to T.D Bank via mail and telephone and T.D Bank has not responded or corrected the errors that were reported to XXXX ( This has been an on-going issue since XXXX ) I have submitted multiple credit disputes with XXXX regarding T.D Bank violating the Fair Credit Reporting Act, each time the dispute resulted in XXXX adjusting or deleting the incorrect and negative account information reported by T.D Bank and within days T.D Bank would report new negative and false information to XXXX. The most recent being XX/XX/XXXX, T.D Bank reported one week that I was currently in a active XXXX  XXXX  and after I submitted a dispute XXXX  deleted it. Within days T.D Bank reported that an account I have not had in ten years was delinquent, missed payments for 30, 60 and 90 days as recent as XX/XX/XXXX. 
T.D Bank violating the Fair Credit Reporting Act has played a huge role in qualifying for credit line increases, qualifying for low loan rates, credit denial and completely stopped my pre-approval for a mortgage. 
My lawyer sent a letter to T.D Bank requesting they correct the errors immediately.
Product: Credit card

I opened a Barclays AAdvantage Aviator XXXX XXXX XXXX Mastercard ( account ending in XXXX ) in XX/XX/year>. I contact Barclays to alert them to my XXXX XXXX military status and to enroll in XXXX XXXX XXXX XXXX ( XXXX ) benefits. Despite my eligibility for XXXX, Barclays has not adjusted my interest rate or refunded the {$99.00} in fees it assessed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I mailed a dispute letter to Equifax about accounts being listed on my Equifax credit file without my written consent, which is identity theft and I have yet to be alerted that a investigation is in progress or that my dispute has been received.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I am not linked to the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XXXX INT XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX auto loan has been removed from my Transunion credit report. I reported it to XXXX and it's still not on there.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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 an account without my written instructions.
Product: Debt collection

XXXX, I had my service disconnected because I got very sick and couldn't afford the extra expense. 7 months later, I have been getting daily, and nightly phone calls from a debt collector who is saying I owe XXXX to XXXX. the amount has increase from XXXX to XXXX. I contacted XXXX to say i do not believe I owed them that much, because for the entire duration of my sat service, I had to call each month billing cycle and dispute charges. I have asked several times for them to show me the proof that I owe them that much. They have said they would send me something in the mail, i never received it. now their collection company harasses me, they are rude and call all day and night. 

i'd pay what i owe, but don't want to pay for what they can not prove. 
The collection company is RPM Receivables Performance Management , LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Dept of Ed/XXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/XXXX  verified the late payments as accurate. I received a email from Dept of Ed/XXXX  on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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: Payday loan, title loan, or personal loan

XXXX XXXX obtained a title loan from Rapid Auto Loans and paid the debt in full on XX/XX/2022. Rapid Auto Loans has confirmed on each occasion she has contacted them, that the debt has been paid in full. Despite her payment in full, this debt is still a lien on the title to her vehicle. This is causing many difficulties including increased transportation expenses directly as a result of XXXX XXXX delay.
Product: Mortgage

On XX/XX/XXXX  I was a victim of fraud when my Chase home-equity line of credit was accessed to withdraw {$4500.00} and transfer funds to a XXXX account ending in XXXX. This was done on line using my stolen user name and password. An investigation was initiated and 5 months later, today, I was given its resolution, which was that such transaction did not classify as fraud because it had been made on line with my user name and password. I did not make any such withdrawal so I disputed this decision. I immediately called the XXXX XXXX, which requires a complete account number for me to recover my funds. Chase claims they don't have it. XXXX XXXX  also operates as XXXXXXXX XXXX in XXXX. It is FDIC insured and has routing number XXXX, I want to strongly complain about Chase Bank for their poor handling of my claim, which took 5 months to resolve. XXXX XXXX  is a domestic institution and they should have done more to protect me, their good-standing customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are reporting fraudulent accounts on my credit reports
Product: Debt collection

I filed a complaint here on CFPB and the company stated my account went into collections in XX/XX/XXXX due to missed payments. I have evidence from the IRS that my XXXX income tax refund was garnished by XXXX in the amount of {$XXXX} via an XXXX dated XX/XX/XXXX with a TOP trace number of XXXX, directed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has XXXX to apply these XXXX correctly to my account, which has effectively caused me to pay the same debt twice. 

XXXX XXXX, a representative for XXXX called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$XXXX} was said to satisfy both the XXXX XXXX and XXXX XXXX XXXX  credit cards in full. The agreement was an initial payment of {$XXXX} and subsequent payments of {$XXXX} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$XXXX} made to XXXX between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. 

Additionally, XXXX response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. 

Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.
Product: Credit card or prepaid card

This is for Complaint XXXX XXXX AMEX Gift card case. 
A check was suppose to be refunded to us for {$59000.00} from AMEX for all the Fraudulent gift cards that was sold to us. The check came but it got returned by our bank stating the check AMEX sent to us was a Fraud check. We still do NOT have payment from AMEX.