23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a Citibank/Advantage XXXX Card . We use it specifically when we fly XXXX XXXX and pay the yearly {$770.00} to access the XXXX XXXX. 

Renewal payment was made on XX/XX/XXXX and we tried to use the card in XXXX airport on XX/XX/XXXX. We were stopped from entering as they told us our card was terminated/expired. I showed them my payment made and was still refused services. 

I called and spoke with XXXX ( XX/XX/XXXX ) who informed me that due to a billing issue, the new card wasnt mailed out. No offer of reimbursement and tried to give me some sky miles which wouldnt have equaled even {$100.00}. I filed a complaint and didnt hear back from them. We just got back into the country from that trip and I called immediately to find out status. 

I spoke with supervisor, XXXX, who informed me that they dont refund these fees. They verified there was a billing error but they dont refund these fees. I told them that this was clearly the credit card companys fault and yet you didnt rectify the results of their problem. She emphasized but said she could do nothing else. 

The charge of {$770.00} was to gain access to the XXXX XXXX. We tried on XX/XX/XXXX and were refused because said card was expired/terminated. They received my yearly payment on time, and had almost 11 months to rectify it, send it new cards, and didnt. I asked for a refund or apply it to this years statement. The answer was that couldnt be done. I also asked for {$140.00}. Refund which represents the {$70.00} per person I had to pay to gain entry to the club on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

They say I owe {$650.00}. However their accountant for the original collector from ( XXXX XXXX XXXX XXXX ) can not find any debt I owe. I keep disputing because they told me to dispute it on my credit report and the credit bureaus keep telling me its correct and its not so I need help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccurate.
Product: Credit reporting or other personal consumer reports

I desire to obtain my free annual credit report from all three credit bureaus, Experian, XXXX and XXXX XXXX respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have any judgement in XXXX XXXX County, MD in the amount of {$3000.00} as stated on my credit report.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

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

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.
Product: Debt collection

My first call with them was very abrasive I had no idea that my account that was joint with my XXXX aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3  times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold XXXX XXXX harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she XXXX  shortly after those calls and now I'm grieving her death and this mess with the EOS CCA and XXXX XXXX.
Product: Debt collection

I am not liable for this debt with IQ Data International , Inc. I do not have a contract with IQ Data International Inc. They did not provide me with the original contract with IQ Data International, as I requested. 
IQ DATA INTERNATIONAL Account Number : IQXXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Synovus/First Digital is reporting a fraudulent account on my XXXX credit file. I have not applied for any account with Synovus/First Digital, nor have I given consent for my personal information to be used to apply for any account. Ive made a written request for Synovus/First Digital to provide ALL information pertaining to this account including but not limited to Account applications made on paper, online, or by telephone. ( IP Addresses If applied for online ), Account Statements or Invoices, Records of payment or charge slips, Delivery addresses associated with the account Records of phone numbers used to activate or access the account, Signatures on applications and accounts, List of all purchases, dates, times, and locations, and the full Investigators report on this account. No information has been provided. This account is fraudulent and needs to be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Carvana would not release a vehicle to me after purchasing when myself and lien holder took care of both payments on our end I received my refund but Carvana has given the run around on the turn around timeframe on making sure my credit union gets their money back for a failed attempt to being able to purchase a car Thru Carvana
Product: Credit card

I am not allowed to apply for credit cards with American Express. 

In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from XXXX jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. 

Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary income ( no more commission ) of XXXX a year plus XXXX in bonus income and another XXXX in deferred executive compensation. I have very little debt. 

I merely want to be able to apply for another American Express card. I do n't want any special qualifications. Accordingly, if I qualify on my current credit report and income, I want to be able to receive the card. If my current credit does n't qualify me, that 's fine. I just want an opportunity to fully apply and receive a decision. 

It is important to note that I recently filled out an application online and clicked " submit '' indicating that my application was being sent to American Express. I received a note that they would not consider my application ; however, I did not receive an adverse action notice as required by regulation B, 12 CFR 1002.9. Reading the disclosures I had to read when submitting the application, it was clear that I actually submitted and application that should have received an adverse action notice. 

Please just allow me to submit an application for credit and provide me an adverse action notice if I do not qualify.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Data and Information on my credit report is inaccurate.Common Wealth Financial Systems and the credit reporting agencies, and companies they do business with needs to be put on notice for violating Federal Laws that protect consumers rights. 
I do not have medical issues or outstanding medical bills. 
I did not authorize permissible disclosures of my personal or health information to be shared shopped, and sold with businesses, banks, healthcare providers, and financial institutions. 
If Common Wealth Financial Systems and the credit reporting companies has already verified this data on my report, I'm required by law to receive an copy of verification. 
( Reported, Verified XXXX XXXX ) I need an copy of the original account with the medical facility, fees, my signature, and date. Also, include who was contacted, the agency or medical facility/insurance company, and how many times this account was sold. 
Please Note : My name is XXXX XXXX, I am not know as any other names. I this information to forward a copy to the State Board of Insurance with a formal complaint for them to investigate this issue and to seek damages violating consumers privacy and HIPAA laws. ) I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Product: Student loan

My loans with American Education Services ( AES )  were XXXX and reduced to a XXXX ( {$0.00} ) balance through the borrowers defense program in XXXX of XXXX. I received an official paid-in-full notice from AES in XXXX of XXXX. I was told by AES that the XXXX loans that were held by them would reflect a XXXX balance on my credit report by the end of XX/XX/year>. To date, my former AES loans, which now have XXXX balances, are still showing on my credit reports as having balances and payments due. 

XXXX. XXXX XXXX reported XX/XX/year>, {$9300.00} Reported balance XXXX. XXXX XXXX reported XX/XX/year>, {$8200.00} Reported balance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

JPMorgan CHASE charges {$1.00} that CHASE calls '' convenience fee '' for paying my XXXX bill by phone. A rep from JPMorgan CHASE said they do not charge any fee. Why am I getting charged an additional {$1.00} to pay my bill over the phone with a debit/Visa card? 

Please advise as it was taken out of my account as a separate charge. In addition to my current monthly bill. 


.Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXXERVICES XXXX, XXXX XXXX CARD SERVICE XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX  {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted XXXX and Experian and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccurate.