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

In XX/XX/XXXX I clicked a link on web to apply for Citi AAdvantage Plantum Select Master Card with offer to earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within first 3 months of account opening. ( see printout of ad that I clicked attached ) Account was approved XX/XX/XXXX and I activated card on XX/XX/XXXX. By early XXXX I had spent MORE THAN the {$3000.00} requirement for Bonus Reward No bonus miles appeared on XXXX Statement. No bonus miles appeared on XXXX Statement. I placed a phone call and I was told to be patient because it could take up to 3-months for the bonus miles to be issued. In XXXX still no bonus miles. I called again on XX/XX/XXXX and filed complaint. I was now told that I was not eligible for the bonus offer because I had opened or closed another Citi AAdvantage card in the past 24 months.
I replied that I had not opened or closed any account and I was told that they would investigate.
On XXXX XXXX I received the attached letter again stating that I had opened or closed a similar account. I called on XX/XX/XXXX and spoke with XXXX who confirmed dispute. I told her that I DID NOT OPEN OR CLOSE ANOTHER CITI AADVANTAGE ACCOUNT IN THE LAST 24 MONTHS. I told her that they must tell me specifically what account they are referring to because I have no such record. She escalated my dispute. On XX/XX/XXXX I received another letter from Citi AAdvantage NOW CONFIRMING WHAT I HAD BEEN TELLING THEM ALL ALONG " WE HAVE NO RECORD OF ANY XXXX XXXX  ACCOUNTS CLOSED IN THE PAST 24 MONTHS ''.
Horray! So I waited till next statement for my miles and STILL NO BONUS MILES. On XX/XX/XXXX I called them again and I spoke to XXXX. Now I am being told that my Bronze AAdvantage card is causing confusion on the miles posting. I do have an existing Bronze card but that would not disqualify me from the bonus offer because it was not opened or closed in the last 24 months. ( this was also confirmed during previous conversations with customer service ). XXXX filed another dispute. On XX/XX/XXXX I now get another letter from Citi AAdvantage. NOW THEY SAY THE OFFER I RECEIVED WAS FOR A LIMITED TIME AND THE EXPIRATION DATE CAN NOT BE EXTENDED. This is crazy!!!!! While I have been trying to resolve this issue for the last 5 months the offer has expired. And even though they admit that I should not have been disqualified from receiving the bonus now I can not get the bonus because the offer expired????? I called again on XX/XX/XXXX and spoke with XXXX who told me there is nothing further she can do for me. Bottom line here is that I was qualified for the offer. I made the required purchases within the time window, but due to the Bank 's inaccurate records and mis-information I was given over the last 5 months and the time it took to patiently wait for the promised bonus and then dispute non-receipt of such bonus they can not give me my bonus because the offer expired???? I would like resolution of this matter. I followed the required actions for bonus miles. Citi XXXX up. Citi should honor their offer. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I charged {$5500.00} with XXXX XXXX Mastercard Credit Card. 
There was a promotion of no interest charges until XX/XX/XXXX. On XX/XX/XXXX I mailed in my last balance of {$1000.00}. I was paid in full. 

Now, they are charging me {$370.00} in interest charges because I paid of the card 15 days after. I understand if they charge me interest for 15 days for {$1000.00} but they are charging me interest for the total amount. 

I think this is not fair and I am asking for your help.
Product: Debt collection

Constant calls -- over 50 calls from XXXX asking for someone other than me. 

Extremely invasive. I am a senior citizen and the unceasing calls are stressful.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app block in due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically, Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with errors resolutions Requirements under electronic funds and regulation E. These actions have caused significant inconvenience and financial loss and icy appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Why did the CFPB close my complaint when nothing has been done about XXXX XXXX XXXX XXXX not responding to me when I sent them a debt validation letter/proof of claim affidavit? Is the CFPB being bribed by XXXX XXXX XXXX XXXX or has the CFPB accepted money from XXXX XXXX XXXX XXXX or do they hold stock in XXXX XXXX XXXX XXXX? Can I get the name ( s ) of the people who are responsible for my complaint being closed when nothing and I repeat nothing has been done about it. What has been done about them not responding to me about my debt validation/verification proof of claim letter? Do I not have a right to dispute directly with them? If not then please notify me that I do Not and please notify me that they ( XXXX XXXX XXXX XXXX ) do not have to respond to my debt validation/verification proof of claim letter that I made under oath. Can you also show me in law where they are allowed to post false /misleading information and not respond to my debt validation/verification proof of claim letter. If what they saying is true where is the affidavit? Have them send me an affidavit stating that they loaned me money and the car was not discharged. That's it, two sentences sworn under oath is all that they have to provide and I will not contact CFPB no more about this matter. All I want is justice and equality under the law. I thought the job of the CFPB was to protect consumers? It seems like the only one being protected is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
Product: Student loan

Sallie Mae originally handled my loan, which began in XXXX. XXXX! How is it that my balance is STILL the same? They mismanaged my loan and did not let me know of PSF or consolidating my loan. I've made payments through the years and it is disgusting. 
I've recently consolidated my former loan FELP? into a direct loan to take advantage of the non-repayment. What are my options now under this new temporary expansion of public service forgiveness? I have made payments and how is it that I am still paying something in XXXX almost 20 years later! It does NOT add up. I would like some clarity on this illegal business that is the student loan industry. Navient serviced it afterwards, and now it's fedloans. Tell me how a loan I took out in XXXX, is still at its original principle- twenty years later. They failed to tell me about FELP loans vs direct loans and the benefits. Disgrace.
Product: Credit card

My credit card payment due date was XX/XX/XXXX. They state the cutoff time is XXXX on the due date. My payment was made well in advance of the cutoff date. Today, XX/XX/XXXX at approximately XXXX I received an email that my payment was late. I logged into my account and have been charged a late fee. The payment was not late and the late fee is not valid. They need to be investigated for consumer fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, a payment of {$330.00} was made to XXXX of NJ. The same day, I contacted XXXX by email and they reversed the payment on XX/XX/XXXX. During the next couple weeks, I contacted XXXX and chime about where the refund was. Due to the inconsistent answers from XXXX, I decided it was time to dispute the charge through chime on XX/XX/XXXX. On XX/XX/XXXX, I decided to contact chime and XXXX again because I felt its unacceptable to wait this long for the refund. During my call with XXXX, the customer service rep stated they reversed the payment on XX/XX/XXXX and chime accepted the refund, so theres nothing they can do and to contact my bank. I told chime what they said at XXXX hoping it would speed the process. On XX/XX/XXXX, I contacted chime telling them that its been long enough and they need to resolve this or I would file a complaint. If theres anything else you need, please let me know.
Product: Credit reporting or other personal consumer reports

Recently, I did

an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted soon : 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
Product: Debt collection

Capital One is reporting a charge off on my consumer report. Per title 12 a charge off should be reported as income and I should received notification and a copy of the 1099C. Per 15 USC 1681e ( b ) the company error is causing an inaccurate consumer report. Capital One is in violation of 15 USC 1611 ( 1 ) by willfully and knowingly failing to provide information that was required to be disclosed by Capital One. This one violation is a {$5000.00} fine. 
The letter was sent certified mail : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$9800.00} This complaint hasbeen filef to pursuant to Fcra 605B 15usc 1681c-2 that you transunion creditreporting agency block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business daysof you receiving this complaint this fraudulent, inaccurate and false information consists of personal credit cards accounts opened at XXXX XXXXXXXX and XXXX XXXX XXXX These accounts have resulted in several fraudulent chargeoffs appearing on my consumer XXXX credit report.i have attached a copy of Ftc identity Theft Affidavit # XXXX as proof from the Us Ftc that all of aforementioned consumer credit accounts and chargeoffs are a result of identity theft and fraud.
Product: Student loan

Loans transferred from XXXX to MOHELA. I qualify for PSLF and submitted for forgiveness under my waiver originally to fedloanand now it is with MOHELA. I have talked to two representatives, the first telling me that I should see an account update in 10 days, that was in XX/XX/2022. Then I got a motivation that I would have an update in mid to late XXXX without an update. I am missing counts from XXXX. I have submitted nimeroues account messages which are supposed to have a 3 business day response without response. I have been on hold for the ombudsman for hours without them answering. I have faxed a formal letter per the online instructions several weeks ago. I have filed 2 complaints with Dept of Ed ombudsman, who were supposed to call back but never did. Not sure how I can resolve this issue since no one responds.
Product: Vehicle loan or lease

I bought a used car for around {$18000.00} back on XX/XX/XXXX  last year. I've made more than my share of payments and the car is almost paid off despite the lock downs and unemployment. I have never been late on a payment. But Wells Faro Auto decided to change their website insuring that we all would have to start over again. In my case they deleted everything they don't even recognize their own loan number they are that stupid. So w/out a number they recognize I can do nothing I can not even log into my account anymore and there is no way to do so. You can not contact them through phone or email because THEY LOST MY ACCOUNT NUMBER SO THEY WON'T ALLOW ME PAST THEIR ROBOTS! So the ONLY option if XXXX where they promise a quick response. That is yet another lie it took quite some time but someone finally responsed then denied me help WHEN I REFUSED TO POST MY INFO ON XXXX FOR THEM TO LOOK UP! Then they blame me for not providing sensitive private loan info on the world 's worst website! Would you post you info on a Wells Fargo XXXX page? 
They could call me but they are too self centered to even consider such a thing.
Product: Bank account or service

Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX . 
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''. 
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''. 

My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices. 
Thanks very much. 
Sincerely, XXXX ( XXXX ) XXXX -Cell. 
XXXX Account # : XXXX. 
My Address : XXXX, TX XXXX.
Product: Checking or savings account

I spoke with XXXX XXXX and the branch assistant manager and various people at Key Bank customer service, they werent able to provide further information on how to dispute the charge on my key privilege checking account. They just stated to contact the company and ask for a supervisor, at the XXXX XXXX branch, which is the current primary branch listed on the account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXXXXXX XXXX XXXX XXXX Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX XXXX XXXX under the account number # XXXX, a personal credit card account open at XXXX XXXX XXXX XXXX the account number # XXXX, a personal credit card account open at XXXX XXXX XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachments. Also the information being reported during the time of my treatments. A couple of companys should be aware of this. XXXX, my banks and Equifax all reported I am a victim of fraud
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX